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Depositing Checks with Your Smartphone

Hands holding a smartphone and taking a picture of a check for uploading.

Depositing checks has never been easier!

You can now deposit checks and have instant access to your money with our mobile app and Remote Deposit Capture.

Get Started

Remote Deposit Capture (RDC) eligibility requires a NWCU checking account and enrollment in eBanking for 90 days. After you've been signed up for eBanking for 90 days, you'll automatically be able to use RDC. Please note that Essential Checking accounts are not eligible for RDC usage.

To deposit your check using your smartphone, you'll use our mobile app (available on both Apple and Android operating systems). You'll deposit your check through this app.

  1. In the left-hand menu, select Transactions and choose Deposit Check.

    Screen shot of Remote Deposit Capture page
  2. Follow the on-screen prompts. Make sure the image is clear to ensure it's processed successfully. That means the routing and account numbers are clearly visible and there's some space between the check and the edge of the image.
  3. Make sure your check is endorsed. If you're not the only one the check is made out to, make sure everyone has signed it--otherwise, your check could be rejected. On the same side as the endorsement, write "For mobile deposit only to NWCU" below your signature. This ensures faster processing.
Remote Deposit Capture back of check

After depositing your check, you'll receive email receipts. Please do not respond to the emails, as they contain receipt information only.

  • After depositing, you will receive an automated email receipt. Keep the check for at least 30 days, just in case any further processing is necessary.
  • You'll receive another automated email receipt once the check has been processed that lets you know whether your check has been approved, adjusted, or rejected.

You can deposit as many checks as you'd like; each check is one transaction. Funds will be available immediately.

There is a weekly limit of $5,000 total in checks, so if you try to deposit more than $5,000, you'll receive a message that says, "Business day amount limit exceeded."

Read our Electronic Services Agreement.