Mobile Deposit FAQs

Frequently Asked Questions about WESTconsin Mobile Deposit can be found below. If you don't see an answer to your question contact us and we'd be happy to help!

  • Will I have immediate access to the funds?

    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.

  • Can I see a copy of my check once it’s been deposited?

    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.

  • Why is my deposit showing accepted, but the funds aren’t in my account?

    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.

  • What is Mobile Deposit?

    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.

  • How do I make a deposit?

    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.

  • How should I endorse my check for mobile deposit?

    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

  • What are the dollar limits for WESTconsin Online members?

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

  • What are the dollar limits for WESTconsin Business Connect members?

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

  • What types of items are not eligible for deposit?

    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.

  • Can I cancel my deposit once it has been submitted?

    No, deposits cannot be cancelled.

  • Why is my deposit showing Pending?

    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.

  • What do I do if the deposit will not process?

    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.

  • Are there reasons why my check deposit would be rejected?

    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. 

  • What do I do if I submitted a check twice?

    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.

  • What do I do if I submitted a check for the incorrect amount?

    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.

  • What do I do with the paper check after a mobile deposit has been submitted?

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