MOBILE DEPOSIT INFORMATION
Securely deposit checks anytime, anywhere.
Use this webpage as a comprehensive resource for your questions about depositing checks through our mobile app. Whether you're new or looking to optimize your experience, our curated FAQs are designed to help you understand how to use the feature to troubleshoot common issues and give you the confidence you need to get started! Contact us if you have additional questions.
Mobile Deposit is a free feature to deposit checks to your Community West account(s) electronically using the camera on your smartphone or other electronic device to transmit the images through CWCU's Mobile Banking App.
First, you must download the CWCU mobile app. Once you have the app, you will log in using your online banking credentials. Then, select "Deposit" from the option bar at the bottom. Once you enroll, it may take 24 hours to process your enrollment. After that, you may use the service as needed!
No - our Mobile Deposit feature is free to all Community West CU members!
No - It is the same login as online banking.
As long as you use CWCU's Mobile App, you can use the Mobile Deposit feature. Our app currently supports the iPhone, iPad, iPod Touch, Android phones, and Android tablets.
Mobile Deposit is open to members who have had an active account in good standing and meet other predetermined qualifying factors needed to qualify for the feature. Eligibility for this service can be based on a review of credit history, credit score, length of membership, and account history. We may pull a credit report to review eligibility for this service.
Mobile Deposit can be made to deposit to a personal or business checking or savings account.
Acceptable check types made payable to you in U.S. dollars include personal checks, business checks, money orders, or cashier's checks drawn on a financial institution located in the United States. All payees on checks must be owners of the deposit account.
- Foreign Checks/Foreign Currency
- Savings Bonds
- Altered Checks
- 3rd Party Checks
- State Dated Checks (checks with a date greater than 6 months in the past)
- Checks Made Out Incompletely or Incorrectly
- Non-negotiable Items
- Damaged Checks
- Non-legible Checks
- Cash/Change
- Checks in which not all payees are owners of the deposit account
No, only one check can be deposited at a time. You can deposit multiple checks daily, but they will each be listed as separate deposits.
Absolutely. You can deposit into any of your savings or checking accounts at Community West Credit Union.
You must endorse the back of each check submitted through Mobile Deposit with all payee's signatures and include the phrase "CWCU Mobile Deposit Only".
PLEASE NOTE: IF the back of the check is not properly endorsed, CWCU reserves the right to reject the check for deposit.
(We suggest after depositing a check, put a note on the front corner of the check with a date and "Mobile Deposit", to prevent accidentally depositing the check more than once.)
Yes. Please store your check(s) in a safe place for 70 days from the date of your deposit. In the event of a deposit dispute, CWCU may require the presentation of the original check to settle the dispute. After 70 days, destroy the check using a secure data destruction method (i.e., shredding).
After submitting the check via Mobile Deposit, the screen will note that the deposit was successful. You will also see the deposit in your account history if it is successful. All deposits must meet our deposit criteria.
In following Regulation CC, checks will generally be posted within one business day. Additional holds may be placed in accordance with Regulation CC Funds Availability Act and the Truth in Savings Act. Notification of any additional hold will be sent to the email address on file.
No, the same hold rules apply as if someone was depositing at a branch.
Yes - the following limits have been put in place for Mobile Deposit:
- Maximum Daily Amount: $10,000
- Maximum Deposits per Day: 3
- Maximum Amount per Deposit: $5,000
- Maximum Total within 30 Day Cycle: $20,00
No. The check can only be deposited into Mobile Deposit once. If you've entered the check amount incorrectly, it will most likely be in a pending status awaiting further review. In many cases, a CWCU representative will review the deposit, correct the amount, and adjust your account - allowing the check to process. However, if you do not see that the deposit posted, please contact CWCU at 616-261-5657 or rdc@communitywestcu.org.