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Mobile Deposit

Mobile Deposit

Deposit your checks quickly and easily from the convenience of your mobile phone or tablet anytime, anywhere with our Mobile Deposit feature.

Mobile Deposit is a free service that allows you to take a photo of your check and deposit it securely into your account using your "smart" (internet-enabled) mobile device via our free mobile banking app. To access our app, simply download it from your device's appropriate app store.

How It Works
Mobile Deposit is easy to use. After you download our mobile banking app and sign in using your online banking information, you will have the option to click "Mobile Deposit".** (If you have not set up your Avadian online banking account, you will be prompted to do so when you try to sign in to our app.) You will be able to make your deposit via the following steps:

Step 1: Enter the amount of the check.
Step 2: Choose an account to make your deposit. There will be a drop down list of valid accounts for you to select from.
Step 3: Endorse the check in the proper location on the back as described below in the Helpful Tips "Endorsing the check" tip.
Step 4: Select "Take Front Image". Then select "Take Back Image".
Step 5: Review your deposit and tap the "Next" button to deposit the check. (After confirmation of our acceptance of your check, please retain a copy of the check for 60 days, then destroy or mark as VOID on the check.)

It's that simple! (Please note: We offer Remote Deposit Capture for Business Accounts.)

Helpful Tips

  • Taking the picture - Place check down on a flat, well-lit surface clear of any objects or clutter to prevent shadows or poor image quality. Indirect light is best. Use a solid-colored, dark surface that contrasts with the color of your check. Use the guidelines in our photo finder to help with zoom and scale. Make sure the entire check appears in the guidelines and fills the guidelines as much as possible. Keep hands clear while taking the picture.

  • Endorsing the check - The back of your check must include:
    • Avadian Credit Union
    • For Mobile Deposit Only
    • Member's Signature
    If the back of your check is not properly endorsed, we reserve the right to reject the check for deposit.

  • Retain your check for 30 days after you make a mobile deposit in case there are any questions or issues. Shred it after this time.

  • Holds - With Mobile Deposit, you will have up to $200 of your total day's deposit(s) immediately available to you. Anything over this amount is placed on at least a two business day hold and will be made available to you after that time. If you submitted your deposit(s) after 7:00 p.m., please note an additional business day is added to your hold.

  • Errors - We will notify you by email if there was an adjustment made to your deposit due to an error in the amount entered and the amount actually shown on your check image. For all other errors, Mobile Deposit will automatically "reject" your deposit while you're trying to process it, so there's no question as to whether you submitted it correctly.

  • History - Mobile Deposit holds up to 30 days of history. Checks deposited through Mobile Deposit will immediately show in your regular account transaction history feed. (Note: You will not be able to view images of checks deposited via mobile deposit. You will only be able to view the check information.)

Please note: Not everyone is eligible for Mobile Deposit. There are several requirements. When you first access this feature on our app, a message will let you know if you're not eligible. You must be at least 13 years old. Members between the ages of 13 and 18 must have a parent or legal guardian sign the Parent or Guardian Authorization Form to have access. Deposit amount limits are based on account relationship.

To learn more about Mobile Deposit, check out our Frequently Asked Questions.
To get started, simply download our free mobile banking app today!

*Mobile banking is a free service we offer our members. However, you may be charged access rates depending on your carrier. Check with your carrier for details on specific fees and charges.
**Some eligibility requirements may apply.

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