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Mobile Deposit FAQs

Q. What is Mobile Deposit?

Mobile Deposit is a convenient service that enables you to make deposits to your accounts from anywhere, just by using a scanning device, tablet or an iPhone® or Android® smart-phone from any location with secure Internet access.

Q. How do I enroll in Mobile Deposit?

You can sign up for this service one of two ways: Online – sign up via your Online Banking account, or right from your smart-phone with our NECU Mobile Banking app. You must agree to the Terms and Conditions for Mobile Deposit.

Q. How secure is Mobile Deposit Capture?

Mobile Deposit Capture features multiple layers of security including password protection, Internet firewalls, and 128-bit encryption (256-bit encryption for mobile), the highest level of security available.

Q. What do we need to use Mobile Deposit Capture?

A smart-phone (iPhone, iPad and/or Android) with Internet access that is enrolled in mobile banking. After enrolled you are able to select the deposit option.

Q. What are the benefits of using Mobile Deposit?

Mobile Deposit saves gas, time, and stamps.You don’t need to visit one of our branch offices or go to an ATM to make check deposits. You can simply deposit from anywhere, 24/7 and get fast access to your funds.

Q. When can Mobile Deposits be issued to the credit union?

You can transmit Mobile Deposits to us 24-hours a day, 7-days a week, even on weekends and holidays with the exception of the credit union’s routine maintenance downtime. Contact us for details.

Q. Can I choose the account that I want my deposit to post to?

Yes, you will need to specify the checking or savings account you want the deposit to post to, or it will post to the first account on your membership.

Q. What are the fees for the service?

Mobile Deposit is free! Members will not be charged a monthly fee.

Q. What types of accounts can I scan deposits into?

Any of our personal checking, business or savings accounts.

Q. Can I view a statement or history of deposits?

Yes. When you are in Mobile Deposit, you will see a “History” link at the top left of your screen.

Q. Can I still bring check deposits into a branch office?

Yes. After you are registered for Mobile Deposit online service, you can still make deposits in whatever method is most convenient for you.

Q. What notifications should I expect to receive regarding Mobile Deposit? 

When you first enroll you'll get a mobile message confirming your access to remote deposit and also an email when deposits are approved.

Q. What email address will I see when I receive communications about Mobile Deposit?

The sending email address will be: remoteservices@necu.org. For some members, these emails may be filtered into “Junk Mail” or “SPAM” folders, so be sure to check those folders periodically.

Q. What types of checks can I scan for online deposit?

Single-party domestic checks made payable to the owner(s) of your Northeast Credit Union checking or savings account.

Q. What do I do if I have questions about the Mobile Deposit service?

You can email us at remoteservices@necu.org,send us a secure message via Online Banking, or call us at 888.436.1847.

Q. How many checks can be included in one deposit?

Only one check can be submitted at a time with Mobile Deposit.

Q. Is there a daily limit to the total deposit amount?

Yes. There is a set standard limit. However, you do have the option to request more.

Q. Will holds be placed on checks submitted through Mobile Deposit?

Yes, there may be. All deposits are subject to the Terms and Conditions in the account information brochure you received when you joined the Credit Union. Please refer to NECU’s Funds Availability Policy. Deposits will be held the same way they are held at an ATM.

Q. Can I expect that all checks will scan correctly?

No. Variation in check sizes, colors and designs can impact the readability of the check. If a check does not scan, the software on your computer or smart phone will advise you. You may bring it to one of our branch offices, or mail it with a checking deposit slip to: Northeast Credit Union, 100 Borthwick Avenue, PO Box 1240, Portsmouth, NH 03802-1240. NOTE: It is for this reason that we recommend that you not destroy your checks for 60 days.

Q. How do we know if the image quality is acceptable?

The software has an Image Quality Assessment (IQA) tool that automatically identifies checks with missing or unreadable fields.

Q. What should I do with a check once it has been deposited successfully?

Store it in a secure location for at least 60 days, then destroy it (preferably with a shredding machine) once you have confirmed in your account statement that the deposit has posted to your account.

Q. I scanned a check, then receive an email instructing me to bring the check to a branch office. Why?

The scanned check was outside the criteria for your account. There can be various reasons for this, but generally it would be due to the check being illegible. Therefore, the check should be brought to one of our branches.

Q. The amount I entered for a deposit is different from the amount I got credit for. Why?

After reviewing the deposited item, it was determined that the amount entered was different from the legal amount on the check. You should refer to the image on your History page in your Mobile Deposit to verify this information. If you still have a question, email us at us at remoteservices@necu.org or call us at 888.436.1847.

Q. Why do I keep getting timed out while I’m in a Mobile Deposit session?

You need to change your time out settings through the User Options of Mobile Deposit Online Banking.

Q. When using a scanner to deposit a check to Online Banking, nothing happens. Why?

Your pop-up blockers may prevent the opening of new windows within Mobile Deposit. You will need to turn off these blockers in order to view certain links.

Q. Will Mobile Deposit work on all Internet browsers?

No, it will only work on Google Chrome or Internet Explorer version 11. The operating systems that align with these browsers include Windows 7, 8.1 or 10. Mac is currently not supported.