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Mobile Deposit

This service saves you time by allowing you to deposit checks wherever you are - no driving, no lines, no worries.  It's banking on your schedule.

Use your iPhone or Android smart phone to deposit your checks the moment you receive them. It's as simple as selecting an account, snapping a picture of the front and back of your check, and verifying the information.  Mobile Deposit is as secure as depositing your check at the teller window.

First Things First

Members of ESFCU who are over age 14 with a checking or savings account in good standing are eligible to use the Mobile Deposit service. 

In order to use the Mobile Deposit service:

  • You need to have e Teller (online account access) activated on your account.
  • You need to have our ESFCU Mobile App downloaded to your smart phone or tablet.
  • You must provide an active email address to receive notifications and alerts.

Once you are set up, you can select the deposit option in the ESFCU Mobile App. 

The first time you select the deposit option, you will be given an opportunity to see our Mobile Disclosure and our User Agreement.  Please read the Full User Agreement and the Disclosure before you proceed.

ESFCU Mobile Deposit Disclosure ESFCU Mobile Check Deposit User Agreement

Once you have decided to use the Mobile Deposit Service, you will be shown step by step instructions on how to use it. 

Before you begin, make sure your check is properly endorsed. 

It MUST be endorsed as follows:

  1. Your name or your business name
  2. "ESFCU"
  3. "for mobile deposit only"
  4. Your account number

Please make sure you are endorsing the proper end of the check.

Please click on the ESFCU Mobile Deposit Disclosure above to find out more information about deposit limits, funds availability and more.

STEP by STEP Instructions

Are all checks eligible for deposit?

Only checks payable to you are eligible for deposit.

What is not eligible for deposit?

  • Checks payable to others; checks payable to cash
  • Checks missing signature of issuer or incomplete in any way
  • Checks missing endorsement: Your name or your business name, “For Mobile Deposit Only”, "ESFCU" and your account number
  • Checks post-dated or more than 6 months old
  • Foreign checks and items not payable in US Currency
  • Traveler’s checks, money orders, postal money orders and US Treasury checks or bonds
  • Checks that exceed your available deposit limit
  • Check that is non-negotiable
  • Cash
  • Duplicate check
  • Poor image quality

What do I do with the check after I submit the deposit?

You will receive the confirmation message after you tap Deposit Check indicating that the check image is being processed. It is recommended that you make a note on the face of the check once the image has been successfully posted. Retain the actual check until the deposit is in your available balance. Once the deposit has posted to your account you should store the check in a secure location for at least 60 days before destroying it.

What should I do if I receive a message that the images have not been accepted?

Network problems or other temporary conditions may cause the check images to not be accepted by the server. If you receive an error message after tapping Deposit Check, your deposit is not being processed. Follow the instructions on the error message. You may try the deposit again after a couple of hours or when you have a better network connection.

Why do I have to tilt the device back?

If your device does not have a light, tilting the device back at an angle helps remove shadows which may reduce the quality of the capture image. The app automatically corrects the image to a proper rectangle.

Is the mobile deposit safe?

Yes, this app uses secure and encrypted SSL technology to ensure the check images are only seen by those authorized to process your deposit.

What do I do if the app is not working correctly?

If the app is not operating correctly it is likely because of a temporary network problem. Please try again in a few hours. If it continues to not operate correctly, please use the Contact Us button on the Home screen to let us know about the problem.

I can’t see my endorsement in the captured image, what do I do?

If the endorsement is not visible, use a bold back pen to make the endorsement and recapture the image of the back side of the check.

The app does not capture the check, what do I do now?

Move the check to a plain dark surface with good lighting, ensure the check is flat with no bent corners, align the check with the gray box until there is a green box around the check, then hold the device steady until the image is captured.

I get a check image which is not square, how do I prevent that?

This is most likely caused by the check not being on a plain background or the corners of the check are bent or missing. Flatten the check, ensure no corners are bent over, place the check on a flat dark, non-reflective and un-patterned surface with adequate light which does not cast a strong shadow on the check. If the check is badly damaged or wrinkled, you may need to present the check to a teller so it can be processed manually.

If you have any problems or questions, please call us at (620) 342-2336.