Mid oregon credit union mobile deposit funds availability

How do I deposit a check using the Credit Union ONE Mobile Banking App?

Open the CUONE Mobile Banking App.
Locate and tap the "Deposit Check" icon in the bottom navigation bar.
Tap "Select an Account" and choose account
Input amount of check deposit
Properly endorse back of check
Tap "Check Front" and take picture
Tap "Check Back" and take picture
Tap "Deposit Check" to complete deposit

Table of Contents Show

About this app
Data safety
Ratings and reviews
Similar apps
How long does mobile deposit take Afcu?
What time does mobile check deposit post?
Does Sccu have mobile deposit?
How do I deposit a check to cu1?

How do I endorse a check for Mobile Check Deposit?

On the back of the check in the endorsement area, sign your name as it is listed on your Credit Union ONE account. Under your signature, print the words “For Mobile Deposit at Credit Union ONE”.

If Mobile Check Deposit will not accept your check, please bring it to the Credit Union ONE branch nearest you to make your deposit.

What are some tips for taking a good photo of my check?

Before taking the picture of the check, review the check to ensure all check information is clearly visible on the check in dark ink: Amount, Payee, Signature of the check drawer, Date, Check number, MICR line, routing and transit numbers.
Sign the back of the check and write “For Mobile Deposit at Credit Union ONE” under the signature in the endorsement area. Checks deposited through Mobile Deposit will be rejected if it is not endorsed.
Smooth out the check so that it is free of wrinkles or curved-up edges
Place check on a dark flat surface
Hold the phone directly over the check – this will avoid blurred areas common with photos taken at an angle
Take photo in a well-lit area, preferably without the use of flash

Who is eligible to use Mobile Check Deposit?

Mobile Check Deposit is available to Credit Union ONE members who have/are:

A Checking Account or a loan and Savings Account,
An account open over 30 days,
Active accounts, with no negative history on the account,
At least 18 years of age,
Enrolled in Online Banking

Is there a fee to use Mobile Check Deposit?

No. There is not a fee for this service, however, mobile carrier fees may apply.

What devices can I use to deposit checks?

Mobile deposits are available with Credit Union ONE’s mobile app using Android smartphones and Apple devices with rear-facing cameras.

What accounts can I deposit funds into using Mobile Check Deposit?

You can deposit funds into your Credit Union ONE personal checking or savings accounts.

Can I make loan payments using Mobile Check Deposit?

While you cannot apply a check deposited through a mobile device directly to a loan, you can use Credit Union ONE’s online or mobile banking to transfer available funds to the loan balance once the check has been posted to your checking or savings account.

Will I have funds available immediately after depositing a check through Mobile Check Deposit?

Yes – up to $200 is available immediately, and remaining funds are usually available in two business days after the deposit. Please refer to Credit Union ONE’s Funds Availability Disclosure Policy for full details.

What checks are ineligible for deposit?

Credit Union ONE reviews each item deposited through Mobile Check Deposit, and may return the check if there are issues with the deposit. Examples of ineligible checks include:

Checks not payable to the account owner
Torn or damaged checks
Altered or suspect checks
Incomplete checks
Checks drawn on banks located outside the United States
Checks drawn in foreign currencies
Checks dated more than six months prior to the date of deposit
Checks dates in the future of the date of deposit
Items previously processed
Checks with unreadable MICR information

Please refer to Credit Union ONE’s Mobile Deposit Terms of Service for further information.

What do I do with the check after I make the mobile deposit?

Credit Union ONE recommends that once you confirm your deposit has posted (via your Online Banking account history or monthly statement), keep the check in a secure place for 180 days from check posting date. After 180 days, it is safe to destroy the check.

About this app

Mid Oregon Credit Union mobile banking app provides you with safe and secure access to your accounts anytime, anywhere. Our mobile app is FREE and allows you to:

• Check account balances

• Transfer funds

• Turn your debit card on/off

• Deposit checks

• Pay your bills

• Locate an ATM or Branch

• View account activity

• Contact member service

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

Financial info and Contacts

This app may collect these data types

Personal info, Financial info and 3 others

Data is encrypted in transit

Ratings and reviews

Terrible time to abruptly end service on one app and force people to get an app that doesnt work. This bank and all of their online services are terrible. Cannot log into the app, cant get the to the phone, can't go to the bank because it requires an appointment due to covid. Essentially I have no access to my accounts because of another terrible service from Mid Oregon. If they weren't the only credit union in town, I would run for the hills.

11 people found this review helpful

Got the app set up it worked great. About a week ago, couldn't get in at all, had to contact the bank and change the password, Started working fine again, now today it quits as soon as I sign in! Sent feedback to the developer that it's kicking me off. Other than that, I like it better than the old one! Soon as they get the bugs out😜

3 people found this review helpful

Actually a zero star rating. Wow, getting this to work was painful. It's as if they didn't test it before releasing it. The trick turned out to be finding the right page on the bank website and setting it up there, which is actually their recommendation. That was hard to find because the bank main page is down for maintenance. Their phone is also giving a busy signal. This is the kind of thing that makes me want to change banks.

8 people found this review helpful

What's new

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

Similar apps

How long does mobile deposit take Afcu?

1.2 Funds Availability. Generally, checks scanned and transmitted via Remote Deposit before 4 p.m. Mountain Standard Time on a business day (defined as Monday through Friday excluding holidays.) will be received by the Credit Union on that day.

What time does mobile check deposit post?

Mobile Check Deposit.

Does Sccu have mobile deposit?

Mobile deposits in excess of $200 are held until verification of the deposit on the next business day. Subsequent to mobile deposit verification, additional mobile deposit check holds may apply. holds or reduced same day availability of funds.