A: Mobile Deposit is a convenient, secure and free service to deposit a check into your Coral Community Federal Credit Union (CCFCU) account using your smart phone or tablet.
A: Mobile Deposit gives CCFCU members the ability to deposit a check into their account from anywhere without having to deliver the check to a physical location. Using your smart phone or tablet, take a picture of the check and transmit the check image to the credit union using the Mobile Banking App.
A: Download the CCFCU mobile App to your smart phone or tablet. Once you login, from the menu at the top select Mobile Deposit and follow the onscreen instructions.
A: The eligibility requirements are as follows:
- Accounts in good standing
- Download Mobile App
A: No, however your mobile carrier may charge usage rates when using a mobile app.
A: Yes, this app uses secure and encrypted SSL technology to ensure the check images are only seen by those authorized to process your deposit.
A: Contact us by email at
A: If the app is not operating correctly, it is likely because of a temporary network problem. Please try again in a few hours. If it continues to not operate correctly, please use the “Contact Us” button on the Home screen to let us know about the problem. Resetting your device may be necessary.
A: The deposit limits are as follows:
- Limit per deposit is $3,500
- Limit per day is $7,500
A: Depending on your mobile device, we can't be certain, but most likely it is because the resolution (pixel count) of the camera on the device is not sufficient to support the Federal Reserve's requirements for image quality. All of the iOS devices have great camera, but there are some Android devices which do not have sufficient hardware to do the job. Unfortunately the device will have to be replaced before you can use the feature or sign in with another device that has a better camera.
A: Yes, all checks should be signed and include the following on the back of the check:
- For Mobile Deposit Only
- Account number and Suffix
A: No.
A:
- Personal checks
- Cashier’s checks
- Official checks
- U.S. Treasury checks
- Any other payment instrument drawn on a financial institution within the United States issued in US dollars
A:
- Checks drawn on your account.
- Checks stamped with a “non-negotiable” watermark.
- Third party checks (a check payable to someone other than the account owner and endorsed to you).
- Checks payable to you and another party who is not a joint owner on the account.
- Checks that contain evidence of alterations, or that you suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
- Checks that are “stale dated” (more than six months old) or “postdated (dated later than the actual date).
- Checks that have been previously negotiated.
- Checks that are incomplete.
- Savings bonds, traveler’s checks, money orders.
- Foreign checks issued by a financial institution in another country and not issued in US funds.
A: We will generally apply the Funds Availability Schedule as set forth in our “Account Agreement Disclosure”. Mobile Deposits confirmed as received before our daily cut off time on a business day and will be credited to your account within one business day. Saturday, Sunday and Holidays are not considered business days. Deposits confirmed received after close of business, and deposits confirmed received on holidays or days that are not credit union business days will be credited to your account within 24 hours of the following business day. However, we may delay availability of funds from any deposit you make through mobile deposit at any time in our sole discretion, including due to any concern we may have regarding our ability to collect based upon any check image that you present. Items transmitted using mobile deposit are not subject to the funds availability requirements of the Federal Reserve Board Regulation CC.
A: If the endorsement is not visible use a bold black pen to make the endorsement and recapture the image of the back side of the check.
A: Move the check to a plain dark surface with good lighting, ensure the check is flat with no bent corners, align the check with the gray box until there is a green box around the check, then hold the device steady until the image is captured.
A: This is most likely caused by the check not being on a plain background or the corners of the check are bent or missing. Flatten the check, ensure no corners are bent over, place the check on flat dark, non-reflective and un-patterned surface with adequate light which does not cast a strong shadow on the check. If the check is badly damaged or wrinkled you may need to present the check to a teller so it can be processed.
A: Only one check can be scanned at a time, but multiple checks may be deposited in one session.
A: It is recommended that you make a note on the face of the check once the images have been accepted. You are required to retain the original check in a secure area for 60 days after the deposit. After 60 days, you should securely destroy the original check(s).
A: Network problems or other temporary conditions may cause the check image to be rejected by the server. If you receive an error message after selecting” Deposit Check”, your deposit is not being processed. Follow the instructions on the error message. You may try the deposit again after a couple of hours or when you have a better network connection.
A: After submitting the deposit, the screen will note the deposit was successful. You will also see the deposit in your check deposit history.
A: No. The check can only be deposited one time. If you’ve entered the check amount incorrectly, it will most likely be in a pending status awaiting further review. In many cases a CCFCU representative will review the deposit, correct the amount and adjust your account allowing the check to process. However, if you do not see the deposit posted, please contact us at 954-772-2330.
A: The cut of time for deposits to be credited the same day is 4pm(EST) on business days. Deposits made after that time are processed and credited to the account the following business day. Business days do not include Saturday, Sunday and Federal Holidays.
A: Mobile Deposit is an easy to use, self service product, but if you encounter a problem you can email us at