Mobile Deposit

Mobile Deposit is a feature exclusive to the Members Choice PA FCU mobile app

 Simply log into the app with the same username and password you established for your online banking account. Members must apply via our mobile app in order to use this feature. Members can start the application process by going to “Options”, then “Deposit Check”.

The team at Members Choice 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 access to those funds within a few hours (based on your deposit limit). Our App benefits members by cutting travel time to a branch, and allows for weekend check deposits too. 

Some members may not qualify to use Mobile Deposits based on creditworthiness and account standing at the credit union.

Access is easy! Search for “Members Choice PA FCU” using any smartphone in your App Store and download it today! Members must then apply via our mobile app in order to use this feature. Members can start the application process by going to “Options”, then “Deposit Check”.

To make a Mobile Deposit, simply type in the amount, select the account you would like to deposit your check into, take a clear picture using your smartphone camera of the front and back of the correctly endorsed check, and then click submit.

Checks should be endorsed by all parties named on the check. Below the signature(s) it should read “For Remote Deposit at MCFCU (or Members Choice Financial Credit Union)”.

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.

Your account is set up with three limits.
The default limits are:,

Per Item Limit: $1,000

Daily Limit: $1,000

Daily Credit Limit: $225

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 credit for the check into your account up to this amount daily. (Example: deposit $454.19 total worth of checks. $225.00 of the $454.19 will be available in the following hour. The remaining will be available after two business days, unless the check is large or the account was/is not in good standing.)

There is no limit to the number of deposits you can make, provided you do not exceed your available deposit amount.

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

No, it is our policy that we do not accept third party checks.

No. The check may pass through the picture phase but once it is reviewed by our Mobile Deposit team it would be removed and you would be contacted.

You should always retain the checks that you mobile deposit for at least 10 business days. This is to ensure that our reviewers do not have any issues with it. This also allows sufficient time to pass through the Federal Reserve.

**Member must use our Mobile Banking Application to access Mobile Deposit.

**Subject to Approval