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.
- 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.
- 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”).
- 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.
- 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:
- Checks payable to any person other than you.
- Checks payable to you jointly with one or more other persons, unless deposited into an account in the name of all payees.
- 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).
- Checks drawn on a financial institution located outside the United States or not in United States currency.
- Insurance Claim Checks, Money Orders (Postal and Money Gram), Traveler’s Checks, Credit Card Cash Advance Checks.
