Getting Started
Endorsement requirements, deposit limits, and photo tips for a smooth deposit every time.
Step-by-Step: Your First Mobile Deposit
Open the SCU mobile app and tap "Mobile Deposit" from the main menu. Choose the account where you want the funds to land — checking or savings. Enter the dollar amount exactly as it appears on the check, then the app prompts you to photograph the front and back. Both images are analyzed for clarity before you can submit.
Endorse the check on the back with your signature and the restrictive endorsement "For Mobile Deposit Only at SCU" written below. This simple step prevents the same check from being negotiated elsewhere. After submission, you receive an on-screen confirmation and an email with a reference number for your records.
Processing Windows and Availability
Deposits submitted before 4:00 p.m. Central on a business day are processed the same day. The first $225 of your deposit is typically available the next business day, with the remainder available within one to two business days. New accounts or unusually large deposits may be subject to extended hold periods under SCU's funds availability policy.
Weekend and holiday deposits are processed the next business day. The app displays an expected availability date before you confirm each deposit, so you know exactly when your money will be accessible.
| Account Type | Daily Limit | Monthly Limit | Per-Item Limit | Funds Availability |
|---|---|---|---|---|
| Basic Checking | $2,500 | $10,000 | $2,500 | $225 next day; remainder in 1–2 days |
| Advantage Checking | $5,000 | $20,000 | $5,000 | $500 next day; remainder in 1 day |
| Premium Checking | $10,000 | $50,000 | $10,000 | $1,000 next day; remainder in 1 day |
| Basic Savings | $5,000 | $20,000 | $5,000 | $225 next day; remainder in 1–2 days |
| Money Market Savings | $10,000 | $50,000 | $10,000 | $500 next day; remainder in 1 day |
| Business Checking | $10,000 | $50,000 | $10,000 | $500 next day; remainder in 1–2 days |
Limits shown are standard. Higher limits may be available based on account history, relationship length, and average balance. Your specific limits appear in the mobile deposit section of the SCU app. Funds availability is subject to Regulation CC holds.
Photo Tips for Clean Deposit Images
Place the check on a dark, flat surface in good lighting — natural daylight works best, but any well-lit indoor area will do. Avoid casting a shadow across the check with your phone. Hold the phone directly above the check, parallel to the surface, and align the check within the on-screen guides. The app will alert you if the image is too blurry or poorly lit before you can submit.
After the deposit posts, keep the paper check secured for 14 days. Once you have verified the funds are available, mark the check "VOID" and shred it. Never attempt to deposit the same check via mobile and in person — doing so may result in a returned item fee and could trigger a fraud review.