Minot Credit Union
Minot Credit Union
Mobile Deposit
Mobile Deposit makes it easy to deposit checks on the go. Use your smartphone or mobile device camera to send an image of your check with online banking.
Mobile Deposit Step-by-Step
- Endorse your check and write “For Mobile Deposit Only at Aspire CFCU” near your signature.
- Open the Aspire Mobile App and sign in.
- Select Deposit
- Select Deposit a check
- Select the account you wish the check would be deposited into
- Enter amount
- Take a picture of the front of the check
- Take a picture of the check’s back
- Review deposit info and submit.
Mobile Deposit Tips
- Endorse your check by signing the back in blue or black ink and writing “For Mobile Deposit Only at Aspire CFCU” near your signature
- Photograph your check on a dark surface for a clear background
- Smooth out the check so that it lies flat
- Know that some checks might not work with Mobile Deposit, e.g., checks with a cluttered design, unemployment, insurance checks and money orders.
Photography Tips
- Hold the phone directly above the check
- Do not come from an angle
- Hold the phone as steady as possible
- Keep the default flash on for better lighting
- Verify the entire check is visible and that the text is clear
Post-Deposit Tips
- Mobile check deposits do not show up immediately
- Give us a call if you are having issues with mobile check deposit
- Keep the check for 30 days in case there are issues with your deposit
Funds availability for a deposited check depends on a couple of factors:
– Collectability: Depending on the amount of the check, and what the current balance is in your account, some of the check may be withheld until the check has cleared. Once its been cleared the balance of the check will be put into your account.
– Pro Tip: If you need the funds immediately in your Aspire Credit Union account, cash the check at the local institution that issued it and deposit the cash here in your account. This will ensure the funds are available right away.
