Mobile Deposit is a safe, secure way to deposit checks as soon as you receive them, no matter where you are.

No more skipping your lunch hour to go to the credit union or searching for a CO-OP Shared Branch when you’re on the road. Simply log in to the SC Telco Mobile Banking app to quickly and conveniently deposit your check.

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HOW OUR MOBILE DEPOSIT WORKS

Tap. Snap. Done.

  1. Log in to the SC Telco Mobile Bank app.
  2. Tap Deposit button on the home screen.
  3. Endorse your check with your signature, account number, and “For Mobile Deposit Only to SC Telco FCU” on the back.
  4. Snap a picture of the front and back of the check.
  5. Fill in the amount and choose the account you want the deposit to go to.
  6. Done! You will receive a confirmation email that your check has been sent and another when your deposit is accepted.

Remember to endorse your check correctly.
Include your signature, account number and print “For Mobile Deposit Only to SC Telco FCU” on the back of the check.

 

Mobile Check Deposit: FAQ

Representatives at your local branch and at our Member Service Center are happy to help you set-up online banking and mobile banking, as well as help you learn how to deposit checks remotely. Just ask! Here are some of the questions about MONEYLINK℠ Mobile Deposit that we hear most frequently:

The following are not accepted:

  • Money Orders
  • Checks made payable to others or to a business
  • Checks dated more than 6 months prior to date of deposit
  • Checks that are postdated
  • Checks generated from credit card companies

Before you are able to deposit your check through our mobile banking app, you will be shown a disclosure. Please read this disclosure thoroughly as it explains the endorsement process. You must sign your name, write your account number, and write “For Mobile Deposit Only to SC Telco FCU” on the back of the check.

Deposits are limited to $2,500 per check with a maximum of $5,000 per day.

Our mobile banking app is available across multiple platforms and devices, including iPhone, iPad, Android, Windows, Kindle, and Blackberry. Whatever web-enabled phone or tablet you have will likely work with our mobile banking app.

Your privacy and security are very important to us. We fully encrypt all wireless communication with our members, including our mobile apps. We also never store personal or financial information on your phone, and all mobile deposits are fully insured by the NCUA, the same as in-branch transactions.

You will receive two email messages to track the status of your deposit. The first email will confirm that your deposit has been Received. The second email will inform you whether your deposit has been Accepted or Cannot Be Accepted.

There are a number of reasons that a check may not be accepted through MONEYLINK℠ Mobile Deposit. The most common reasons include improper endorsement of the check, a bad or blurry image of the check, or an incomplete check (no signature, no date, amount not fully filled in, etc.).

Checks deposited before 5:00 PM EST will typically be available in your account the following business day.

All checks deposited must be retained for 7 business days after the funds have posted to your account. After 7 business days, the check must be prominently marked with VOID and shredded.

SC Telco is not for profit; we’re for service.