Mobile Check Deposit

What is Mobile Check Deposit?

Mobile Check Deposit, sometimes referred to as Check Deposit Capture, or Remote Deposit Capture, allows you to photograph checks and transmit the images to your Adventure account for posting and clearing. 

What are the advantages of using Mobile Check Deposit?

You can securely deposit checks from anywhere, anytime. This saves time and expense by reducing trips to the credit union or ATM.

Is Mobile Check Deposit safe/secure?

Mobile Check Deposit uses the same level of security and encryption standards as online banking, ensuring that deposits and personal information are completely safe.

Is there a cost to use Mobile Check Deposit?

No, it's free. Charges for returned deposit items and other transactions are outlined in our fee schedule.

How do I endorse a check submitted with Mobile Deposit?

1. Include proper signature from all payees
2. Write on one of the lines "MOBILE DEPOSIT AT ACU"

If the check is not properly endorsed, it may be returned by the financial institution upon which it is drawn.

Can I deposit more than one check at a time?

No. You may deposit multiple checks in a day, but the process must be repeated for each check.

Can I deposit more than one check per day?

Yes, however, there are daily and monthly limits in place.

• $5,000 daily limit
• $25,000 monthly limit

How quickly will funds be credited to my account once the deposit is accepted?

All items will show as deposited immediately, regardless of time of day. If the item exceeds hold limits, it will appear as "PENDING Check Hold" in the transaction history. Deposits made after 5:00pm ET will be considered next business day in terms of the hold.

Can I deposit a foreign check? 

No, checks must be drawn on a U.S. financial institution, payable in U.S. dollars.

What should I do with a check after it's been deposited?

Retain the check in a safe place until it has cleared. It is advisable to retain the check for thirty days, then shred it.