Mobile Deposit FAQs

Getting Started

Land of Lincoln Credit Union offers the ability to use your personal phone or tablet to remotely deposit your checks. The following information answers some commonly asked questions regarding our mobile deposit options.

Q: What is Mobile Deposit?

A: Mobile Deposit is a feature of LLCU Mobile Banking app that allows you to make check deposits using your camera enabled smartphone or iPad.

Q: What accounts can deposits be made to through Mobile Deposit?
A: Members can make deposits to their personal checking accounts only.

Q: Can I make deposits to a loan account to make a payment?  
A: No. You cannot make deposits directly to loan accounts. Deposits can be made to a checking account. Once the deposited funds become available, you can then transfer the money to a loan account to make a payment.

Q: How do I deposit a check using Mobile Banking?
A: With Mobile Deposit, you can deposit a check using an Apple iPhone running iOS 6.0 or later, Apple iPad running iOS 5.0.1 or later, and an Android smartphone running version 2.2 or later. In addition, you’ll need a wireless internet connection. Please see the Mobile Banking Deposit Step-by-Step Instructions.

Q: Do Mobile Deposited checks need to be signed?
A: Yes, at the top, write: "FOR MOBILE DEPOSIT AT LLCU" and then endorse with your signature beneath. Without this statement and your signature, your check will be rejected.

Q: What’s the maximum amount I can deposit using Mobile Deposit?
A: For Share Draft Basic checking accounts in good standing, with a valid e-mail address on file, that have been at least 60 days, a daily limit of $1000 is in effect. For all other personal checking accounts in good standing, with a valid e-mail address on file, that have been opened at least 60 days, a daily limit of $2,000 is in effect.

Q: When does a Mobile Deposit Post and funds become available?
A: For information on when funds become available, please click on Mobile Deposit Rules.

Q: How can I be sure the deposit image is accepted?
A: For best results, ensure the image of your check is inside the four corners of the box, the information on the back is legible, and it is properly zoomed in or out as necessary. 

Q: Can I deposit more than one check at a time? 
A: Each check is deposited individually and requires its own photo. There is no limit to the number of deposits you can make per day. However, the daily aggregate deposit limit applies.

Q: What is the daily deposit cut off time to be considered deposited on the same day?
A: The Mobile Deposits need to be submitted before 3:00 pm CST, Monday through Friday, to be considered deposited on the same day, excluding holidays. Deposits are not posted on holidays, Saturdays or Sundays.

Q: How do I know if my Mobile Deposit was accepted?
A: Check your Deposits tab to review Deposit History.  You will be able to see Pending, Failed and Accepted deposits.

Q: Where do I find my deposit history?
A: The deposit history can be found under “Deposits” on the Mobile Banking menu bar.

Q: Can a deposit be canceled once it’s submitted through Mobile Deposit?
A: No. Once a deposit is submitted, it will continue through the deposit process.

Q: What do I do if a check failed to deposit?
A: If you can’t get a check to deposit by the mobile application after multiple attempts, present the item to any of our convenient locations.  An additional hold on funds may be applicable.

Q: Can minors use LLCU’s Mobile Banking?
A: Yes. If a child, teen or student has a compatible device and an Online Banking login, he or she can use Mobile Banking.

Q: Is there a fee for Mobile Banking or Mobile Deposit?
A: There is no fee for Mobile Banking or Mobile Deposit. However, wireless service provider charges may apply.

Q: How long will my check image be available through View Deposit History?
A: Check images will be available for 30 days for those checks deposited through Mobile Deposit.