Closed in Observance of Thanksgiving
ISU Credit Union will be closed Thursday (11/23) and Friday (11/24) so employees can spend time with their families. Online Banking, Smart Phone Apps, Mobile Banking, PAT and ATM access will be available.

Mobile Remote Deposit

  • Rating: 4.0 (2)

Tap… Snap… Deposit!
Mobile Deposit Made Easy.

Deposit checks without driving to a branch or putting checks in the mail! Use the Mobile Remote Deposit option in your ISU Credit Union mobile app to make deposits in a snap with your iPhone® or Android device.

  • Easy — make a deposit with just a few taps and camera clicks.
  • Secure — our apps use the same security features as Online Banking and your personal information and check images are not stored on your device.
  • Convenient — deposit a check anytime, anywhere, 24/7!

View FAQs to learn more about Mobile Deposit.

Here's How It Works.

  1. Access your ISU Credit Union mobile application
  2. Choose the deposit button at the bottom of the screen.
  3. Snap photos of the front and back of your check, tap to submit, and you’re done!

Get the ISU CU Mobile app now!

Access to Mobile Deposit

What do you need in order to use Mobile Remote Deposit?

  1. An active ISU Credit Union membership and Online Banking access
  2. A mobile phone or tablet using your iPhone® or Android device.
  3. Once logged into your mobile app, “Deposit” button option will be available at the bottom of the app.

Smartphone users will need to visit the associated App store and download the app by searching for “ISU Credit Union.”

Not yet a member? Join today

 

*Please be aware that while ISU Credit Union's mobile banking services are free, your mobile carrier may assess text messaging and/or web access charges.

Security

Mobile Banking is completely secure. Here are just some of the ways we ensure your safety when using Mobile Banking:

  • No user authentication or account information is permanently stored in the mobile device. It is deleted when you quit the application.
  • All transactions and data exchanges are encrypted using the latest technology.
  • All messages between the user device and the server have a unique message authentication code used to validate identity.
  • We are committed to protecting the privacy of your financial information. Please see our Privacy Policy.

Mobile Deposit FAQ

  • What is Mobile Remote Deposit?

    With Mobile Remote Deposit, depositing a check is as simple as taking a photo. Simply snap photos of the front and back of your checks with your iPhone or Android device and make real-time deposits into your ISU Credit Union account.

  • How do I use Mobile Remote Deposit?

    Once logged into the app on a iOS or Android device, you will see an icon at the bottom that says Mobile Deposit. Click this button and the module will load. You may select to 1) Make a Deposit, 2) View Deposit History, or 3) View Instructions. The instructions provide a step-by-step walkthrough of the process.

  • How much does it cost to use the Mobile Remote Deposit?

    There is no fee to use ISU Credit Union Mobile Remote Deposit. However, standard wireless carrier data and charges apply; so please make sure you understand the terms of your mobile agreement before using the Mobile Remote Deposit.

  • How many checks can I deposit using the Mobile Remote Deposit?

    You can deposit as many checks as you'd like up to your personalized deposit limit. However, you can only deposit one check at a time.

  • What types of checks cannot be scanned using Mobile Remote Deposit?
    • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
    • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
    • Checks payable jointly, unless deposited into an account in the name of all payees.
    • Checks previously converted to a substitute check, as defined in Reg. CC.
    • Checks drawn on a financial institution located outside the United States.
    • Checks that are remotely created checks, as defined in Reg. CC.
    • Checks not payable in United States currency.
    • Checks dated more than 6 months prior to the date of deposit.
    • Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account.
    • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
    • Checks with any endorsement on the back other than that specified in this agreement.
    • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
    • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
    • Checks that are prohibited by the Credit Union's current Membership Agreement with you.
    • Checks that are in violation of any federal or state law, rule, or regulation.

  • What should I do with a check after I deposit it?

    We recommend you note on the back that it was deposited via MRDC, the date deposited and the confirmation number from the MRDC system. We further recommend you retain the check for 60 days, after which you can destroy it.

  • When are funds available that have been deposited through Mobile Remote Deposit?

    Funds have a 48-hour hold placed as the check runs through verification processes.

  • I made a deposit but received an error. What do I do?

    There are several verifications being performed on the check image that may result in errors or warning messages. Follow the prompts that come up in the message and continue.

  • I received a message about the date on my check when I tried to upload it.

    The software uses Optical Character Recognition (OCR) to verify information on the check. Due to the various ways of writing a date, this field can be problematic. This message is simply asking that you verify the date of the check falls within a certain range. Simply verify the date is correct and proceed.

Download Mobile Banking App

Use the Mobile Remote Deposit option in your ISU Credit Union mobile app to make deposits in a snap with your iPhone® or Android device.


Download the iPhone app from the Apple App Store:


Download the Android app from Google Play:

Comments

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Need help with App

I've just used this app once. It would just close right out again when I picked it. I turned my phone off, then used it, but whenever I go to take a snapshot of my check it shuts down without warning. I've tried it six times now, still didn't work even after I turned my phone off and on again. Has anyone else had this problem? Any idea what might be wrong? I'd like to use the app, but I guess I don't really care if I can't. I'll just take it to the bank in person like I always do.
Posted By: Sarah Stephens Baergen
16 days 19 hrs 15 mins 52 secs ago
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 Give us a call

This seem weird and you shouldn't be receiving this error. Maybe try and uninstall and reinstall the app and see what happens. Thanks for reaching out - we would be happy to help where we can. 208.235.7100

Posted By: ISU Credit Union
15 days 22 hrs 59 mins 19 secs ago
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So simple and easy

The mobile deposit process is so easy and simple to use. It connects right from the mobile app and is straightforward and is easy to use.
Posted By: Cam T
203 days 52 mins 43 secs ago
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