Mobile Deposits

Community First Mobile Deposit, allows you to electronically deposit checks from an iPhone® or Android™ device that has a camera. Making a mobile deposit is as simple as taking a photo, just download our mobile banking app for your mobile phone and snap a photo of the front and back of your endorsed check.


Are there fees associated with Mobile Deposit?
Community First Mobile Deposit is a free service to eligible Community First Credit Union members. Wireless carrier data rates may apply. Contact your wireless carrier for details.
How should a check deposited through Mobile Deposit be endorsed?
The payee must sign the endorsement line, and "For Mobile Deposit Only" must be written below the payee's signature on the back of the check. If a check is improperly endorsed, it will be subject to return, and your deposit may not be processed.
How long should I retain my original check after making a mobile deposit?
For your protection, please retain the original check for at least two business days after receiving confirmation that it has been posted to your account. When you are ready to discard it, mark it "VOID" and dispose of it securely to prevent it from being presented for payment again.
What happens if an issue arises with my mobile deposit after I discard the check?
If an issue should arise and the original check is no longer available, please contact the check issuer for a new check that can be resubmitted for deposit.
When will my mobile deposit be processed? Will checks deposited through Mobile Deposit be placed on hold?
Deposits are made to your account in real time. We generally make the first $225 of a day’s total deposits available by the first business day after the deposit is made. Then, the remainder is made available on the second business day after your deposit.

We reserve the right to delay availability up to 60 days from the date we receive payment for items transmitted through Mobile Deposit.
Who is eligible for Mobile Deposit?
To be eligible for Mobile Deposit, you must be an active Mobile Banking user with a valid email address on file, and a savings account with Community First.
How can I take a good photo when making a mobile deposit?
Taking high-quality photos of the check is the best way to make Community First Mobile Deposit quick and easy. Here are some tips to help:
  • Put the check against a darker, high-contrast background
  • Keep only the check visible; no other objects or edges should appear in the frame
  • The entire check needs to be in the picture; make sure you can see all four corners of the check
  • Focus your shot; if an image is blurry, retake it
How do I know the image quality is acceptable?
Our mobile deposit software has an Image quality assessment (IQA) tool that automatically identifies checks with missing or unreadable fields. You will receive a prompt to retake the photo if the IQA tool cannot read your check.
Is Mobile Deposit secure?
Community First’s Mobile Deposit feature is very secure. It features multiple layers of security, including password protection and the SSL (secure sockets layer) communications protocol, which employs state-of-the-art 256-bit encryption. This is the standard connection type for secure communications between computers and browsers, such as online banking. This prevents third parties from intercepting communications between your devices and our servers.
What types of checks can be deposited through Mobile Deposit?
All personal and business U.S. checks can be processed through Mobile Deposit. Checks from Canada and other foreign countries, savings bonds and poor image quality checks must be deposited traditionally.
What are the Mobile Deposit transaction limits?
Deposit limits vary per account and are displayed in the Mobile Deposit tool when you’re logged into the app.

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