Mobile Check Deposit – Frequently Asked Questions
What is
Mobile Check
Deposit?
Mobile Check Deposit is a service that allows members to electronically
transmit an image of their check using an iPhone®, iPad®, Android phone, or
Android Tablet for deposit to their VyStar savings or checking account(s).
How do I
access Mobile
Check
Deposit?
Mobile Check Deposit is a feature within VyStar’s Mobile Banking App.
Do I have to be Yes, you must be a member in good standing with an open and active savings
a member of
or checking account.
VyStar to use
this service?
Who can use
Mobile Check
Deposit and
how do I
enroll?
Any member with VyStar’s Internet Banking access and a valid email address
may use Mobile Check Deposit. You must accept the Mobile Check Deposit
Services Agreement (“Services Agreement”) when presented the first time
the application is accessed.
How do I know You can use the Mobile Check Deposit service immediately after accepting
when I can
the Services Agreement.
begin using
the service?
Is special
equipment
needed for
this service,
hardware or
software?
VyStar’s Mobile Banking App is certified for use with the Apple iPhone, Apple
iPad, Android phone, and Android Tablet. The software version required to
use this service is specific to the device you are using.
What accounts Deposits may be made to a your savings, checking, money market checking
are available
and money market savings accounts, as applicable. If you cannot see all of
for deposit
your savings and/or checking accounts make sure the accounts have not
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within Mobile
Check
Deposit?
been “hidden” within Internet Banking. If you would like to unhide an
account; click Settings/Service. Then under Other Settings section, click
Manage Account. Check/Uncheck the Display Online checkbox to
display/hide your accounts. Finally, click Update Preferences to save your
changes.
What kind of
items can be
scanned?
Items that can be scanned and accepted through Mobile Check Deposit are:
 Personal checks
 Government checks
 Business checks
 Money orders
 Traveler’s checks
 Cashier’s or certified checks
All checks must be drawn on a U.S. financial institution and in U.S. funds.
Are there any
items that
cannot be
scanned?
Yes. Unacceptable items include but are not limited to the following:
 Checks payable to any person or entity other than member, i.e., third
party checks
 Checks containing altered fields on the front of the check or item, or
checks that are fraudulent or otherwise not authorized by the owner
of the account on which the check or item is drawn;
 Checks payable jointly, unless deposited into an account in the name
of all payees and endorsed by all payees;
 Checks previously converted to a substitute check, as defined in
Regulation CC
 Checks that require an authorization code or number
 Checks drawn or payable through any foreign bank or a financial
institution located outside the United States;
 Checks not payable in U.S. currency;
 Checks dated more than 6 months prior to the date of deposit (stale
dated checks);
 Checks that are post-dated
 Checks that are in any way incomplete, i.e. missing or incomplete
endorsement
Are there any
special
endorsement
Yes. All checks deposited through the service must be endorsed by any and
all payees with a restrictive endorsement “For Mobile Deposit”.
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requirements
for checks
deposited
through
Mobile Check
Deposit?
Are there
limitations to
the amount
the check can
be?
Yes. The maximum amount that can be scanned is $5,000 per item and
$5,000 per day. The application does not allow a dollar amount to be keyed
above the maximum limit. VyStar may establish limits on the dollar amount
and/or number of items or deposits from time to time.
How many
checks can be
included in
one deposit?
One check per deposit is allowed at this time.
How do I make After you log into VyStar’s Mobile Banking App you will:
a deposit with 1. Select “Deposit Icon”
Mobile Check
2. Select the savings or checking account for the item to be deposited to
Deposit?
3. Enter the amount of the deposit
4. Take a picture of the front of the check
5. Take a picture of the back of the check
6. Confirm the deposit information and submit deposit.
How do I know The item submitted for deposit will show in your Deposit History.
the deposit
was received?
How do I know Within the Deposit History Tab, each deposit will have a status icon
the status of
displayed; identifying if a deposit was accepted, rejected, or is in pending
the deposit?
review status.
How long does
it take for a
Members can scan 24 hours a day/7 days a week. Mobile Check Deposit
transactions will post in batch files periodically throughout the day Monday –
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deposit to
post?
Friday, excluding Saturday, Sunday and Federal holidays. All deposits
received and reviewed by 5:00 pm Eastern Time will be posted the same
business day. Deposits received after 5:00 pm Eastern Time will be reviewed
and posted the following business day. Text/email alerts can be set up to
notify you when the deposit has posted.
I can see that
the deposit
was accepted
but do not see
it posted to
the account.
Where is the
deposit?
The batch posting file may not have been posted or the account selected
may not have been a valid account. When selecting the deposit account a
closed or restricted account could have been selected. Any deposit(s) that
reject will be reviewed the following business day.
What happens
if the same
check is
scanned
twice?
The application will detect duplicate items scanned within the credit union
therefore the duplicate transaction will not be processed.
My deposit
was rejected
after being
submitted.
Why would
this happen?
The deposit could be rejected for any of the following reasons (this is not an
all-inclusive list):
 Front and/or back image is not legible including but not limited to
MICR information (routing and account information on the bottom of
the check), payee, maker information
 Written and numerical amounts do not match
 The endorsement or authorized signature is missing or incomplete
 Duplicate item
 The payee is not on the deposit account (third party).
What should I
do with a
check after it
has been
scanned?
You should securely store each original check(s) at least 14 calendar days
from the date the image was submitted and accepted. Please note that you
are solely responsible and liable for the security and storage of the original
checks and for any loss or misappropriation of these checks. After the 14
days, you may dispose of the check in a manner which will ensure the check
will not be presented again such has shredding, mark the check as
“Electronically Presented” or “VOID” or you may continue to securely store
to ensure that it is not presented again for payment.
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Are deposits
placed on
hold?
All transactions are subject to VyStar’s Funds Availability Policy (insert
hyperlink) and will be reviewed accordingly. Please refer to the Services
Agreement for Funds Availability for additional information.
If a check is
returned
against my
account can it
be redeposited?
A returned check may be re-deposited via mail or taken to a branch location
provided it is not stamped “DO NOT REDEPOSIT.” VyStar will provide you
with an Image Replacement Document (IRD) or Photo in Lieu.
What if I do
not have a
valid email
address?
You must have a valid email address to use this service as stated in the
Services Agreement. You could be notified via electronic mail (email) through
various steps of processing.
What happens
if my mobile
device is
stolen or lost?
VyStar’s mobile banking security features include Multifactor Authentication
(MFA) which is designed to ensure a more secure method of accessing your
accounts. You should contact your carrier for further instructions for a lost or
stolen device.
If I have
questions or
encounter a
problem,
where can I
receive help?
Mobile check deposit service is designed as an easy-to-use, self-service
product; however, should you encounter any problems or have questions on
the process, please contact VyStar’s Call Center at 904-777-6000 or 800-4456289.
Rev. 8/2015