Now you can deposit checks fast with Providence FCU's Android and iPhone mobile apps.
Just tap the app and snap a photo of the front and back of your endorsed check. It's fast, secure and best of all - it's free.*
Rest assured that it's as secure as online banking, and you get to keep the check.
Make a deposit with just a few taps and camera clicks.
Save a trip to the branch or ATM and avoid the delay of mailing checks.
Here are some quick tips and tricks to make sure your mobile deposits are done quickly!
Make sure you endorse the back of your checks. Digital deposits must be signed before acceptance. All checks must be made payable to account owners only and all payees must endorse the check.
“For mobile deposit PFCU only”
Make sure you write “Mobile deposit PFCU only” in the endorsement area of your check. Due to an amendment to “Regulation CC” passed by the Federal Reserve, all checks deposited through mobile deposit must contain this phrase or they may be rejected. The measure is intended to protect users from mobile check fraud.
Deposit “Accepted” vs. “Held for Review”
Watch for the message at the end of your mobile deposit session to see if your check was immediately accepted or held for review. If your deposit is held for review, wait for a response before redepositing the check. Mobile deposit uses sensitive image recognition software, and anytime it detects the slightest irregularity, it sends the image to be reviewed by a Providence FCU employee. You will receive a new email if the check was accepted or deleted.
If your deposit is immediately accepted, your balance will update within minutes. If it is held for review, Providence FCU will verify the image and notify you by email within one business day whether the deposit has been accepted or whether the deposit should be resubmitted. If you wish to check your new balance via the Providence FCU mobile app, log out and log back into your account.
Notifications are sent to the primary email address for your account. Please make sure we have up-to-date contact info so we can communicate.
File Your Checks
When you’ve made a deposit via mobile deposit, keep the check for 30 days for record-keeping purposes, and then shred it.
You may contact us by electronic mail at MobileDeposit@providencecu.org, or by telephone at 503-215-6090 if you have any questions or difficulties using this service.