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Mobile Deposit FAQs

PFCU Credit Union Helping Me in 2023

Mobile Deposit is a service that enables you to make deposits to your accounts from anywhere by using a mobile device from any location with secure Internet access.

You do not need to sign an agreement but in order to use Mobile Deposit, you must agree to the Terms and Conditions.

  • All iPhones with a camera and operating system newer than 4.3
  • All iPods with a camera and operating system newer than 4.3
  • iPad's 3 and 4
  • Any Android device with a camera

Items received at PFCU by 5:00pm Monday - Friday and by noon on Saturday (not including Holidays) will be credited to your account.  There may be up to a 30 minute delay for review of some items.  Items that are transmitted after noon on Saturday or on a Holiday that exceed the item limit or daily limit will be reviewed on the next business day.

This may be due to the fact that the check was over our item limit and was deposited during nonworking hours. We will review the item on the next business day. Funds are not available until the deposit shows up in your Finance Central history.

Yes, you will need to select the checking or savings account you want the deposit to post to, or it will post to the first account on your listing.

Mobile Deposit is a free service provided to our members.

Yes, when you are in Mobile Deposit, you will see a "History" link (the time of the deposit will register as California time - Pacific Time Zone).

You can chat online with any one of our representatives or you can call any PFCU office.

Only one check can be submitted at a time.

Yes, there are some limitations in regards to the amounts to be deposited.

Yes.  However, there may be limitations in the total deposit balance that you may have.

Write on the back of the check the words "PFCU Mobile Deposit" so that you don't accidentally try to deposit the item a second time.  We recommend that you store the checks in a secure location for a period of at least 60 days, which allows you to refer to the original check if there are any issues with the image quality or returned checks.  After that time, dispose of the checks in a secure manner.

You will get the message "Item Deposited Successfully".  If the item is in review, it would show "Pending".

The scanned check was outside the criteria for your account.  There can be various reasons for this, but generally it would be due to the check being illegible.  Therefore, the check should be brought to one of our branches.

After reviewing the deposited item, it was determined that the amount entered was different from the legal amount on the check.  You should refer to the image on your history page in your Mobile Deposit to verify this information. If you still have questions, contact us directly at 844-517-3611.

Throughout the business day, you can confirm your online deposits by going to the History page in Mobile Deposit.  "Complete" in the Mobile Deposit history indicates that the Credit Union's review of the item has been completed.  It could take up to 30 minutes to actually post to your account.  Deposits that have been posted will be in the Transaction History on your Mobile Deposit Online Banking checking account page.

Yes. It is web-based, with 128-bit encryption and secure hosting which means that your transmissions are guarded and the deposits are protected.