It's the picture perfect way to deposit your checks

  • Download the free MSGCU Mobile Banking app from the Apple App Store or Google Play for Android
  • Open Mobile Deposit
  • Select the account* you are depositing into and enter the amount
  • Snap pictures of both sides of the check
  • Verify the check’s information and submit

You can deposit checks from just about anywhere using your smartphone or tablet. The process is quite safe, as MSGCU protects our members using password access, encryption technology and other security methods. For a more detailed explanation of the process, click here for a step-by-step guide. For more details about Mobile Deposit or Mobile Banking, please review our FAQs.

*To be eligible for Mobile Deposit, you must be at least 18 years of age and have a checking account with a positive balance. Please speak with an MSGCU Representative for more details.

How to use mobile deposit

1. Log into your account, using your online banking credentials.

Login Screen

2. Tap the "Mobile Deposit" button.
 

Main Screen

 

3. Select "Make a Deposit."
 

Mobile Deposit Popup

4. If this is your first use, you'll need to accept our Service Agreement to proceed.

Service Agreement screen

 

5. Please note that Mobile Deposits take up to one business day to post to your account.

Deposit Timing Screen

6. Select "Deposit To" and choose from the available accounts.

Deposit To Screen

 

 

7. Select "Amount" and, when the keyboard displays, enter the amount written on the check.

Enter Deposit Amount Screen

8. Next, select "Front" and you will be prompted to photograph the front of the check.

Select Front Screen

 

9. Make sure the check stays within the green guidelines and tap to take the photo.

Photograph Front Screen

Check that the captured image looks correct and is readable. Then tap "Use."

Capture Front Screen

10. After you've submitted the image, the software will verify that the image meets processing requirements.

Verify Front

 

 

11. Next, select "Back" and you will be prompted to photograph the signature side of the check.

Select Back Screen

12. Make sure the check stays within the green guidelines and tap to take the photo.

Photograph Back Screen

 

13. Once again, the software will verify that the image meets all processing requirements.

Verify Back Screen

14. You will be notified when your deposit has been processed successfully. Tap ok to proceed.

Deposit Completed Screen

 

 

15. The Deposit Information associated with your transaction will display next. Keep for your records if you like, or simply click ok.

Deposit Information Screen

16. The next time you log into the mobile app, your deposit will be available in your account history. 
 

Account History Screen

 

 

Get the most out of your experience

  1. What is Mobile Deposit?
  2. Who is eligible for Mobile Deposit?
  3. Do I need to register for the service?
  4. What does “held for review” mean?
  5. Are there any holds on the deposit?
  6. Are there deposit limits for Mobile Deposit?
  7. How long should I keep a copy of the check that I deposited??

 


 

1. What is Mobile Deposit?
Mobile Deposit allows MSGCU members to deposit a check into their account using our smart phone app and the built-in camera on your mobile device. 

Return to Top

2. Who is eligible for Mobile Deposit?

To be eligible for mobile deposit, the member must:

  • Have an open checking account with a positive balance 
  • Be at least 18 years of age
  • Be registered for online banking (They must have an active user ID and password to access the smart phone app)

Return to Top

3. Do I need to register for the service?
Yes, you will need to register for the service through MSGCU’s smart phone app. You will need to read and agree to our service agreement before you can process a mobile deposit. 

Return to Top

4. What does “held for review” mean?
When this appears, an MSGCU representative will need to review the deposit before it can be processed and placed in your account. Deposits can be held for the following reasons:

  • The App cannot read routing number
  • The App cannot read the amount
  • The App cannot read the payee line
  • The App cannot verify the signature
  • The App cannot verify the signature on the back
  • The check deposited is valued at $1,000 or more

Return to Top

5. Are there any holds on the deposit?
Yes. The first $200 from the deposit is made available immediately. A two business day hold is placed on the remainder of the check.

Return to Top

6. Are there deposit limits for Mobile Deposit?
Yes. There is a daily deposit limit of $2,500.00 (per deposit or day) and a monthly deposit limit of $10,000.

Return to Top

7. How long should I keep the check that I deposited?
It is recommended that you keep any checks for six months after they are initially deposited, as a record of the transaction. After six months, please destroy the check for security purposes.

Return to Top