Mobile Deposit FAQs

In most cases the first $2,000 of the daily total deposit will be available the day of the deposit with the remaining funds typically available within two business days. For new accounts the first $225 of the daily total deposit will be available the day of the deposit with the remaining funds typically available within five business days. In some cases, extended holds may apply.

Yes, tap History in the mobile deposit menu and you’ll be able to see a list of checks accepted, pending or declined. You can tap on the check to see the check image and full details about the deposit. Check images are available for 180 days.

The accepted status means the image of the check was accepted but it still needs to be processed. Please allow one business day for checks to be processed.

Mobile Deposit is the ability to deposit checks to your WESTconsin Credit Union savings or checking accounts using the WESTconsin Mobile App or the WESTconsin Business Connect Mobile App.

First endorse the check and write the words ‘For Mobile Deposit’ on the back of the check. Once logged in, tap “deposit,” choose an account, enter the check amount, take pictures of the front and back of the check, review and submit.  Eligible checking and savings accounts can be selected for mobile deposit excluding Money Market accounts. Please deposit the check into a checking or other savings account first and then you can transfer the funds to your Money Market account.

You must sign the back of the check AND include the words 'for mobile deposit'. Checks may be declined for deposit if not properly endorsed. 

• If a business account signature:
  • Use Business deposit stamp OR print name of Business

• If you are a POA signing in place of the member signature:
  • Both the member name and Power of Attorney name need to appear in the endorsement
  • For example: Jane Doe by John Doe, POA

Deposit limits are as follows: $4,000 per item, $8,000 per day and $15,000 per rolling 30 days.

Deposit limits are as follows: $10,000 per item, $20,000 per day and $90,000 per rolling 30 days. 

Items not eligible for deposit include:

1. Third party checks or checks drawn on foreign financial institutions.
2. Checks that have been altered, or that you suspect or know to be altered or fraudulent.
3. Checks that you are not authorized to endorse or deposit.
4. Cashier’s Checks, Money Orders, Stale dated checks, Savings Bonds, Traveler's Cheques, Convenience Checks, Cash or any other item we deem unacceptable.

No, deposits cannot be cancelled.

A pending status means you’ve submitted the check but our system is waiting to verify the quality of the image. The status could remain pending until the next business day based on the time the deposit was submitted.

There may be instances when the Mobile App will not recognize your item for deposit. If this occurs and you are unable to complete a deposit using the Mobile App, please take the item to the nearest WESTconsin Credit Union office for deposit.

If your check is rejected for any reason, you may receive an email notification with the reason for rejection. You can also check the deposit history in the mobile deposit menu; tap the word “Rejected” to review the rejected reason. Deposits may reject for various reasons such as over the dollar amount limit, duplicate check, missing the words ‘For Mobile Deposit’ in the endorsement or unreadable check. You can visit a WESTconsin Credit Union office to attempt to have the check deposited. 

First look at your account history to see if it was deposited twice as the duplicate check may have been rejected. You can also view the status of each check submitted through mobile deposit by tapping “history” in the mobile deposit menu. If the check was deposited twice, please notify us and you will also need to notify the person/business that issued you the check that they will need to contact their financial. After the person/business (payor) contacts their financial institution to process the duplicate payment of their check, the duplicate check amount will be withdrawn from your account and returned to the payor’s account.

First look at your account history to see what check amount was deposited. You can also view the details of each check submitted by tapping “history” in the mobile deposit menu. If it was deposited for the incorrect amount, please notify us and if the item was presented for more than it was written, you will also need to notify the person/business that issued you the check and make arrangements to have the amount corrected. The person/business (payor) should contact their financial institution to process the check amount adjustment.

Retain the check for at least 30 days; after 30 days mark the check “void” and shred the check.