Our free Mobile App* allows you to check balances, transfer funds, view transactions, pay bills, reorder checks, set a budget, and much more. Simply search for “UICCU” in Google Play or Apple App Stores.
- Members must be signed up for Online Banking to access this free mobile feature
- Download the app from the Google Play or Apple App Store
- Use the same log in credentials to access mobile banking that you established for online banking
- Enjoy the same features as online banking as well as Mobile Remote Deposit Capture
Mobile Remote Deposit Capture
Mobile Remote Deposit Capture allows members to take a photo of a check and deposit it in their UICCU account remotely, thus saving a trip to the branch or the postage to mail it. Make deposits to your account from anywhere just by using a scanning device, tablet, iPhone®, or Android®. Mobile Remote Deposit Capture is a free service and uses the highest level of security available so you can utilize it worry-free!
How to deposit a check using your mobile device
- Click the MENU button in the upper left corner of your screen
- In the dropdown menu, expand TRANSFERS/DEPOSITS
- Select DEPOSIT CHECK
- Be sure to endorse your check and write “FOR DEPOSIT ONLY” under your signature
- Select the DEPOSIT ACCOUNT you would like to deposit the funds to
- Enter the AMOUNT OF THE DEPOSIT and click SAVE
- Click CAPTURE IMAGE to take a photograph of the front and back of the check
- Click SUBMIT to finish making the deposit
Note: You can only do this with one check at a time. If you have more than one check, repeat the steps above.
Mobile App Questions
Q: Does the mobile app support Apple Touch ID for login?
A: Yes, if your Apple device has Touch ID, our mobile app supports this. You will need to turn this on within your mobile device under security preferences.
Q: The app doesn't remember my password and I have to enter it each time.
A: Due to security risk, the new system does not allow you to save your password for online banking.
Mobile Remote Deposit Capture (MRDC) Questions
Q: How does it work?
A: MRDC is accessed using the mobile app (iOS or Android); MRDC is not available in the browser experience (Internet Explorer, Chrome, Firefox, Safari, etc.) MRDC can be found within the app (under Menu > Transfer/Deposits > Deposit Check). MRDC deposits post to the user account in near real-time. All deposits over $1000 are subject to a hold, however the first $1000 of any deposit is immediately available. Please be sure to endorse and write FOR DEPOSIT ONLY on the back of the check or it will not process.
Q: Will my funds be available right away?
A: MRDC deposits post to the user account in near real-time. There will be a 2 business day hold on all amounts over $1,000. The first $1,000 will be available the same day as the deposit. A maximum of 5 checks or $10,000 may be deposited per day.
Q: Why was my check declined?
A: There could be a few reasons your check was declined. The check is missing information such as the Routing Number, Account number or the endorsement FOR DEPOSIT ONLY. The check is damaged or is illegible. The amount exceeds $10,000.00 or more than 5 checks per day. The amount exceeds $20,000 or more than 20 checks per month.
Q: What do I do with my check after I make the deposit?
A: After you see the deposit has been accepted in the mobile app, write "void" on the check. Keep the deposited check for at least two business days or until you have confirmed the funds have been posted to your account, then you may shred the check.
Q: Do I need to apply for this service?
A: Members that are signed up for online banking need only to download the UICCU online banking app to receive the service.
Q: How secure is Mobile Remote Deposit Capture?
A: MRDC features multiple layers of security including password protection, Internet firewalls, and 128-bit encryption (256-bit encryption for mobile), the highest level of security available.
Q: What are the benefits of using MRDC?
A: You don’t need to visit one of our branch offices or go to an ATM to make check deposits. You can deposit from anywhere, 24/7.
Q: What are the fees for the service?
A: Members will not be charged a monthly fee to use MRDC. If you discontinue Remote Deposit services and decide to reinstate then you will be charged a one-time service fee.
Q: What types of accounts can I scan deposits into?
A: Any of our personal checking or savings accounts.
Q: Can I view a statement or history of deposits?
Q: Can I print out a copy of a Remote Deposit check?
A. Yes, you can print them from your History screen in MRDC up to 60 days from the date of the transaction. Thereafter, you will need to request a copy just like any other deposited item.
Q: Can I still bring check deposits into a branch office?
A. Yes. After you are registered for MRDC, you can still make deposits in whatever method is most convenient for you.
Q: What are the system requirements for Mobile Remote Deposit Capture to work properly?
* UICCU does not charge for the Mobile App, however your cell phone carrier may charge for text and data usage.