How to deposit a check online gecu

Table of Contents Show

About this app
Data safety
Ratings and reviews
Similar apps
Quickly deposit your business' checks
Streamline your cash flow
Helpful Resources
Can you deposit a check through GECU app?
How do I deposit a mobile check online?

About this app

With the GECU Mobile app, you can track your balances, transfer money between accounts, and view and activate your cash back offers all on your mobile phone! It’s safe, fast and free!

To learn how we protect your privacy, please visit https://www.gecu.com/about/forms/OnlinePrivacyPolicy

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.

This app may share these data types with third parties

Location, Contacts, and Device or other IDs

This app may collect these data types

App info and performance and Device or other IDs

Data is encrypted in transit

Ratings and reviews

It is great for on the go. Can pay bills and what not. The down side is that it DOES NOT allow to pay on the principal to my accounts (e.g. mortgage and car payments). Come on guys this would be great have given up trying to call in with push this button then this button to get to a person on the phone to set up a principal payment.

10 people found this review helpful

Very convenient, I'm always on the go and unable to stop at a bank location or sometimes even an ATM. With the app, I'm able to direct deposit, money transfer from checking a to savings, vise versa. With Zeller, I'm able to send money to someone in my contacts and money is there in seconds! Able to take a picture of a check and deposits depending on the time variation. Overall, five stars.

13 people found this review helpful

I like everything about this app besides the fact that at times when I try to login it says it cannot display my information as well as when it has trouble reading my fingerprint. Another thing that can be fixed is the debit card turn off or on option, fix those issues and this app would be perfect considering the fact that you can check deposit, and transfer money!!!

11 people found this review helpful

What's new

- Redesigned App settings view
- Updated locations permission flow
- General maintenance and defect fixes

Similar apps

Deposit checks straight from your phone. Safe. Secure. Simple.

Life can be hectic, and we realize depositing a check may not be top on your priority list. Now, we have a solution to help save you time and to help you check off one more thing on your “to do” list….Mobile Deposit.

It’s simple, it’s fast and it’s secure. Just download our FREE home banking app on your Android or iPhone, log in, select the camera icon at the bottom of the screen, endorse your checks and follow the step-by-step process to successfully make your mobile deposit.

If you have any questions or concerns, call us at 409.963.1191 or stop by one of our locations, and we will be happy to help you!

Mobile Deposit Application End-User License Disclosure and Agreement

Quickly deposit your business' checks

Make check deposits wherever you are
Do more with same day credit1
Get 60 days of transaction history

Streamline your cash flow

This business solution comes with the following features so you can focus on your bottom line:

Check scanning with a desktop scanner and computer, or through the Business RDC Mobile app.
Check quality validation.
- The system requires that deposits are balanced before transmitting.
60 days of searchable deposit transaction history.
Same day credit if deposited by 3 pm EST (M-F, excludes federal holidays)
Advanced exportable reports in a variety of formats.
Images of deposited checks within the application.

Helpful Resources

Make the most of your business purchases

Earn reward points on daily purchases with a rate that benefits your bottom line.

Mobile deposit is a convenient way to deposit checks from your smart phone, saving you time and reducing trips to the branch or ATM.

It works by using the camera on your phone to capture an image of the check. The image is processed the same way as making a deposit at a branch or at an ATM. Check images are not stored directly on your phone (they won’t appear in your phone’s photo album), for your security and protection.

As long as you are a GECU member in good standing and have agreed to the GECU Online and Mobile Banking Agreement and other conditions as outlined in the Mobile deposit terms and conditions (available within Online and Mobile Banking), you are eligible to use Mobile deposit. Overdrafts and returned deposit items may affect eligibility.

GECU does not charge a fee to use Mobile deposit. If this policy changes, we will provide notice 30 days in advance. GECU is not liable for any costs you may incur from cellular data networks or other related equipment that may result from usage of Mobile deposit.

Mobile deposit is found within the GECU Mobile Banking app. Visit your app store, search for General Electric Credit Union, and look for our logo to download our app.

Ensure all payees have endorsed the check(s), and also include the words For GECU Mobile Deposit Only on the back of the check(s).

Most GECU deposit accounts are eligible; these include: checking, savings, and money market accounts.

Generally, eligible checks include checks in their original form, payable directly to you, in U.S. dollars and drawn against a U.S. financial institution. You can only deposit checks using Mobile deposit; however, there are some checks that you cannot deposit. These include:

Any check that has already been deposited via Mobile deposit.
Checks payable to any person or entity other than you.
Travelers checks, money orders, or savings bonds.
Checks containing any alteration of which you know or believe to be fraudulent or not authorized by the owner of the account on which the check is drawn.
Checks payable jointly, unless deposited into an account in the name of all payees.
Any checks that are not in original form with a signature, such as substitute checks or remotely created checks (as defined by Federal Reserve Board Regulation CC (Reg. CC)).
Any item that is stamped with a “non-negotiable” watermark.
Checks written off an account at a financial institution located outside of the United States.
Checks not payable in United States currency.
Checks dated more than six (6) months prior to the date of deposit or deemed “VOID” on the date of deposit.
Checks or items prohibited by the Credit Union.
Checks with any endorsement on the back other than that specified in this Agreement.
Checks that have already been deposited or that are in the process of being deposited, nor will you attempt to redeposit or negotiate those checks with any other party.
Checks that have previously submitted through Mobile deposit or through a remote deposit service offered at any other financial institution.
Checks on which a stop payment order has been issued or for which there are insufficient funds.
Checks that otherwise violate this Agreement.

You should retain the check in a secure location for no less than 45 days and then, after confirming the deposited funds have been applied to your account correctly, destroy the check. Destroying the check prevents it from being presented for deposit at another time.

Deposits made through Mobile Deposit must be received by us no later than 3:00 PM ET on any business day to be considered deposited on that day. Deposits we receive after that time, or on a weekend or Federal holiday, will be considered deposited on the next business day. Business days are Monday through Friday, excluding Federal holidays.

Our Funds Availability Policy, as well as the funds availability requirements of Reg. CC, do not apply when you deposit checks through Mobile deposit. Generally, all funds from items deposited through the Mobile deposit feature will be placed on a two-business day hold. However, we may apply additional delays on the availability of funds based on any other factors as determined by us, in our sole discretion.

Yes. Once logged in to the Mobile Banking app, click Check Deposit then History. Deposit history is available for 180 days. In addition, you can view real-time check statuses, deposit information, and the front and back of check images. Your check images are not stored directly on your phone, for your security and protection.

Tips for ensuring the best check image possible include:

Flatten folded or crumpled checks before taking your photos.
Keep the check within the view finder on the camera screen when capturing your photos.
- Try not to get too much of the area surrounding the check.
Take photos of your check in a well-lit area.
Place the check on a solid, dark background before taking the photo.
Keep your phone flat and steady above the check when taking your photos.
Hold the camera as square to the check as possible, to reduce corner-to-corner skew.
Make sure that the entire check image is visible and in focus before submitting your deposit.
Make sure there are no shadows across the check, all four corners are visible, the check image is not blurry, and the MICR line (numbers on the bottom of your check) is readable.
In addition, make sure the amount you enter matches the amount on the check, remember to sign the back of the check, and endorse For GECU Mobile Deposit Only.

Can you deposit a check through GECU app?

Deposit your checks from anywhere your day takes you Instead of making an extra stop at your GECU branch, make quick and secure deposits with our top-rated mobile app.