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Mobile Deposit

Mobile Banking

Mobile Deposit

Real-Time Payments

Real-Time Alerts

Digital Wallet

Contactless Card
using a phone to take a photo of a check to mobile deposit

Deposit Checks From Anywhere

How to Use Mobile Deposit

  1. Within our Mobile Banking app, select “Check Deposit” from the left hand navigation and follow the instructions.
  2. Endorse the back of your check, and write “For Mobile Deposit Only” under your signature
  3. Then just Tap. Snap. Deposit. Take photos of the front and back of your check and submit. You will receive confirmation of the deposit.

Please feel free to call a Customer Service Representative with any questions about Mobile Banking and to assist you with the Mobile Deposit enrollment process.

* Mechanics Cooperative Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply. Regular account charges apply. Mobile Deposit service is for personal checking or savings accounts only and is subject to eligibility. Deposit limits and other restrictions apply. iPhone, iPad and iPod touch are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.

Mobile Deposit FAQs

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Daily limits for Mobile Deposit transactions are as follows:

There is a $3,000 Daily Limit on mobile deposits

Mobile Deposit Requirements:

  • Sign/Endorse the back of your check, and write “Mobile Deposit Only” directly under the endorsement signature on the back of the check
  • When prompted for the amount, enter the check amount and be sure it matches the amount written on your check.
  • Take a clear picture of the entire front and back of the check to include all four corners, but not too much of the surroundings and hold the camera square to the check to reduce corner to corner skew.
  • Make sure that the entire check image is visible and in focus before submitting the deposit. Also, be sure to clearly capture the MICR line (numbers on the bottom of your check).
  • Keep the checks deposited via Mobile Deposit for thirty (30) days before they are destroyed.
  • Deposits made after 4:00 pm EST will be considered deposited on the following business day and will usually be available within two business days.
  • You can monitor the status of your mobile deposits through Mobile Banking.
  • All mobile deposits will be labeled “Remote Deposit” on your monthly statements and within Online Banking.

Please note Mobile Deposit CANNOT be used to deposit the following items:

  • Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). This applies even if the person is an authorized signer on the same account the check is being deposited into.
  • Checks payable to you and jointly to another party. This applies even if the person is an authorized signer on the same account the check is being deposited into.
  • Checks that contain evidence of alteration, or that you know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • IRS Checks, Savings Bonds, foreign checks and insurance checks.