Mobile Check Deposit

Making a Mobile Check Deposit

• Make sure the name that the check is written to is on the account.
• Endorse the check with your signature and write in "For Mobile Deposit at Ascentra CU Only". (Note: some checks have a pre-printed checkbox with the words "Mobile Deposit Only" on the back - even if you select this, you are required to write "For Mobile Deposit at Ascentra CU Only".)
• Open the Ascentra Mobile App, select "Transactions", then "Deposit Check". You can also access this service by clicking on the quick link "More" and then "Deposit Check".
• Temporarily store the original check in a safe place.

Rules and Deposit Timing (all times mentioned are Central Standard Time) 

After you have successfully deposited a check, its status will be “Submitted” until it is reviewed. You will also receive a confirmation email with further information.

• Our daily cutoff time for accepting mobile deposits is 3:00 pm Monday through Friday, excluding federal holidays. Deposit items that we receive after 3:00 pm, or on non-business days, will be processed on the next business day (Monday through Friday, excluding federal holidays). If your check is accepted before our daily cutoff time of 3:00 pm (mentioned above) it will usually be deposited into your account between 4:00 pm and 6:00 pm that day.

Most checks are eligible for mobile deposit except for the following types:

• Checks payable to any person other than you. 
• Checks payable to you jointly with one or more other persons, unless deposited into an account in the name of all payees. 
• Checks that have been previously negotiated (including checks that may have been returned), remotely created, Sight Drafts, or checks more than 6 months old (stale dated).
• Checks drawn on a financial institution located outside the United States or not in United States currency.
• Checks or items on which you are aware that a stop payment order has been issued or for which there are insufficient funds.