Mobile Deposit Rules

Rules and Timing

All times mentioned are Central Standard Time

After you successfully deposit a check its status will be Pending until it has been reviewed.


  1. If your check cannot be accepted, its status will change to “Failed” and we will attempt to contact you via email.  You may contact the credit union by calling 217-428-5232.
  2. If your check is processing, its status may change temporarily to “Under Review”.
  • Our daily cutoff time for accepting mobile deposits is 3pm Monday through Friday, excluding federal holidays.  Deposit items that we receive after 3:00pm, or on non-business days, will be processed on the next business day (Monday through Friday, excluding federal holidays).
  • If your check is accepted before our daily cutoff time of 3:00pm (mentioned above) it will usually be deposited into your account between 4:00pm and 6:00pm that day (the status of your deposit will change to “Accepted”). 
    1. When your check is deposited into your account, the first $200 of your deposit will be made available to you immediately. The remainder will be placed on hold for up to 2 business days.  Longer holds may apply in certain situations.
    2. Once the status of your deposit changes to “Accepted” and you see the deposit in your account history, you may destroy the paper check!  You will be able to view a legal image of your check in Mobile Banking (under “Deposits”, then “View Deposit History”) and we will use the legal image for any further processing needs.  
  • Most checks are eligible to be Mobile Deposited. However, the following types of checks are not eligible for mobile deposit:
    1. Checks payable to any person other than you.
    2. Checks payable to you jointly with one or more other persons, unless deposited into an account in the name of all payees.
    3. Checks that have been previously negotiated (including checks that may have been returned), remotely created, Sight Drafts, or checks more than 6 months old (stale dated).
    4. Checks drawn on a financial institution located outside the United States or not in United States currency.
    5. Insurance Claim Checks, Money Orders (Postal and Money Gram), Traveler’s Checks, Credit Card Cash Advance Checks.