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Mobile Deposit FAQs

  • What is Mobile Deposit?

    Mobile Deposit is the ability to deposit checks to your WESTconsin Credit Union savings or checking accounts using our WESTconsin Mobile App.

  • How do I make a deposit?

    Once logged in, tap “deposit” choose a suffix, enter the check amount, take pictures of the front and back of the check, review and submit.

  • How should I endorse my check for mobile deposit?

    You must sign the back of the check AND include the words ‘for mobile deposit’. If the check is properly endorsed and the check states “check here if mobile deposit” and the box is checked, then the words ‘for mobile deposit” are not necessary. Checks may be declined for deposit if not properly endorsed.

    If a business account signature:

    1. Use Business stamp OR needs name of Business and signature of an authorized signer

    If you are a POA signing in place of the member signature:

    1. Both the member name and Power of Attorney name need to appear in the endorsement
    2. For example: Jane Doe by John Doe, POA
  • What are the dollar limits that I can deposit?

    Limits are established on the dollar amount and/or number of items. Deposit limits are as follows: $2,000 per item, $5,000 per day and $10,000 per rolling 30 days.

  • What types of items are not eligible for deposit?

    Items not eligiItems not eligible for deposit include:

    1. Third party checks or checks drawn on foreign financial institutions.
    2. Checks that have been altered, or that you suspect or know to be altered or fraudulent.
    3. Checks that you are not authorized to endorse or deposit.
    4. Cashier’s Checks, Money Orders, Stale dated checks, Savings Bonds, Traveler's Cheques, Convenience Checks, Cash or any other item we deem unacceptable.
  • Will I have immediate access to the funds?

    In most cases the first $1000.00 of the deposit will be available the day of the deposit with the remaining funds typically available within two business days. For new account the first $200.00 of the deposit will be available the day of the deposit with the remaining funds typically available within five business days. In some cases extended holds may apply.

  • Can I cancel my deposit once it has been submitted?

    No, deposits cannot be cancelled.

  • Can I see a copy of my check once it’s been deposited?

    Yes, tap “history” in the mobile deposit menu and you’ll be able to see a list of checks accepted, pending or declined. You can tap on the check to see the check image and full details about the deposit. Check images are available for 180 days.

  • Why is my deposit showing Pending?

    A pending status means you’ve submitted the check but our system is waiting to verify the quality of the image. The status could remain pending until the next business day based on the time the deposit was submitted.

  • Why is my deposit showing accepted, but the funds aren’t in my account?

    The accepted status means the image of the check was accepted but it still needs to be processed.

  • What do I do if the deposit will not process?

    There may be instances when the Mobile App will not recognize your item for deposit. If this occurs and you are unable to complete a deposit using the Mobile App, please take the item to the nearest WESTconsin Credit Union office for deposit.

  • Are there reasons why my check deposit would be rejected?

    If your check is rejected for any reason, you may receive an email notification. You can check the deposit history in the mobile deposit menu; tap the word “Rejected” to review the rejected reason. Deposits may reject for various reasons such as over the dollar amount limit, damaged check, or unreadable check. You can visit a WESTconsin Credit Union office to attempt to have the check deposited.

  • What do I do if I submitted a check twice?

    First look at your account history to see if it was deposited twice as the duplicate check may have been rejected. You can also view the status of each check submitted through mobile deposit by tapping “history” in the mobile deposit menu. If it was deposited twice, you will need to notify the person/business that issued you the check and make arrangements to return the funds. If the person/business contacts their financial institution to process the duplicate payment of their check, the duplicate check will be returned and your account will be charged a returned check fee.

  • What do I do if I submitted a check for the incorrect amount?

    First look at your account history to see what check amount was deposited. You can also view the details of each check submitted by tapping “history” in the mobile deposit menu. If it was deposited for the incorrect amount, you will need to notify the person/business that issued you the check and make arrangements to correct the amount. If the person/business contacts their financial institution to process the check adjustment, the check will be returned and your account will be charged a returned check fee.

  • What do I do with the paper check after a mobile deposit has been submitted?

    Retain the check for at least 30 days; after 30 days mark the check “void” and shred the check.

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