Frequently Asked Questions
 

1. Am I eligible for NWCCU Mobile Deposit?
   NWCCU Mobile Deposit is available to all NWCCU members that have an account in good standing for at least a month.
    

2. Why doesn’t the app work on my phone?
   The app is currently compatible with iPhone® 3 or higher, iPads, and Android.
    

3. When am I able to submit my deposits?
   You can make a deposit using the Mobile Deposit app anytime, 24 hours a day, 7 days a week.
    

4. How many checks can I deposit at one time?
   You will only be able to deposit a maximum of 1 check in a single deposit.
    

5. How should I endorse checks for NWCCU Mobile Deposit?
   The back of each check must include: a) “For Mobile Deposit only NWCCU” followed by the account number to which the check is being deposited. b) The payee's signature
    

6. How many checks can I deposit using the NWCCU Mobile Deposit app?
   You can deposit as many checks as you’d like, one check at a time, up to a total limit of $5,000 per week.
    

7. What do I do with my paper check after I made the deposit?
   We recommend that you keep the check for 45 days after making your deposit to ensure that your check has been properly processed in our system.
    

8. I accidentally deposited the same check at the CU. What happens now?
   In the event of accidentally depositing the same check that was deposited using the NWCCU Mobile app, one of the checks will be rejected.
    

9. I keep getting an error message when trying to make a deposit with the app. I need help!
   We want to make sure that we are providing the best service both in-person and with our electronic services. Please contact us at 847-647-1030 to let us know the issue and one of our representatives will be happy to assist you.
    

10. How quickly will the deposit be credited to my account?
    Checks submitted for deposit will be credited to your account on the next business day. All deposits made on Tuesday after 2:00 p.m. Central Time and Wednesday will be processed on Thursday.
     

11. How quickly will the funds be available for me to use?
    Please refer to our Funds Availability Policy to find out how soon your deposit will be available for your use.
     

12. How do I know if a deposit was accepted or rejected?
    You will receive an email informing you if your deposit was accepted or rejected.
     

13. Are there any types of checks that cannot be submitted when using NWCCU Mobile Deposit?
    The following items cannot be submitted for deposit using NWCCU Mobile Deposit:
    a. Savings bonds
    b. Foreign checks.
    c. Any item drawn on your NWCCU account
    d. Any item that is “stale dated” or “postdated” (such as a six month and older date or future date)
    e. Any item that is incomplete (such as missing the date, missing the payee, etc.)
    f. Any item that contains evidence of alteration to the information on the check
    g. Any item that is stamped with a “non-negotiable” mark or missing MICR line
    h. Any third party check (any item that is made payable to another party and then endorsed to you by such party).