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Mobile Deposits

What are Mobile Deposits?

 The team at M-C has developed a Mobile Banking Application. Mobile Deposits put ultimate convenience at your fingertips by allowing you to submit check deposits using your smart phone 24/7 and give you immediate access to those funds (based on your deposit limit). Our Application benefits our member by cutting the traveling necessary to any branch, and allows for weekend check depositing into accounts. Members must apply for this service and be approved.*

Is the Mobile Deposits service available to all members?

Some members may not qualify to use Mobile Deposits. For instance, Eligibility may vary from day to day. A smart-phone is necessary for using Mobile Deposits.

Will I be able to use Mobile Deposits immediately upon registering?

No, you must be approved by a loan officer upon checking your financial standing with M-C. Members are not allowed to have returned checks and no negative balances on existing accounts. After checking your account information, a lender will approve a daily deposit limit. You will be notified once you are approved.

How do I access Mobile Deposits?

Access is easy! Search for “M-C Federal Credit Union” using any smart-phone in your App Store and download it today!

How do Mobile Deposits work?

To make a Mobile Deposit, simply select the account you would like to deposit your check, enter the check amount, take a clear picture using your smart-phone camera of the front and back of the check, and then click submit.

How much can I deposit?

The maximum available deposit amount for Mobile Deposits varies by member and is determined by Credit Union relationship, creditworthiness and other relationship factors. At any given time, you are able to deposit this amount minus any pending Mobile Deposits. You will see your available deposit amount when you access the service online or on your smart-phone. As we receive and process your checks toward pending deposits, your available deposit amount will replenish itself.

What limits do I have on my account when using Mobile Deposit?

Your account is set up with three limits:

For example,

Per Item Limit: $1,000

Daily Limit: $1,000

Daily Credit Limit: $200

Per Item Limit: allows you to deposit a single check up to this set amount.

Daily Limit: allows you to deposit multiple checks up to this set amount daily.

Daily Credit Limit: you will receive immediate credit for the check into your account up to this amount daily. (Example: deposit $454.19 total worth of checks. $200.00 of the $454.19 will be available immediately. The remaining will be available upon approval. Checks are viewed and approved the following business day.)

How many checks am I able to deposit at one time?

You may submit up to as many checks up to your daily deposit limit amount, provided their total does not exceed your available deposit amount. There is no limit to the number of deposits you can make, again, provided you do not exceed your available deposit amount.

Which of my accounts will accept Mobile Deposits?

  • Share Savings accounts, including Money Market and Club/All Purpose accounts
  • Share Draft Checking accounts

Can I deposit third-party checks via Mobile Deposits?

No, it is our policy that we no longer accept third party checks.

Will Mobile  Deposits accept stale-dated or post-dated checks?

No. The check entry system will verify check dates. If a date is more than six (6) months old or beyond the current date, an error message will appear and you will be required to edit the information or delete the check entry.

If I have two checks from two different makers that happen to have the same check number and the same dollar amount, will the Online Deposits system reject the entries?

No. The system will accept both checks without generating an error.


**Member must use our Mobile Banking Application  to Access Mobile Deposit.
**Subject to Approval