With our free mobile banking, you can take your online banking access away from the desk and just about anywhere you go. This convenient service — accessed via a browser, app, or even text — includes all of the same great features as our online banking, like the ability to view balances and make transfers.
On top of that, you get mobile deposit for those times when you can’t make it to a branch. The free app is available for most internet-enabled Apple or Android phones or tablets and is designed to enhance your user experience. Download it today and get it done — whether it’s on the recliner or on the bus!
Free, secure, timesaving services, available for members enrolled in eTeller online banking.
Mobile App (now with Mobile Deposit)
Mobile Browsing (using your mobile device browser)
Mobile Text Banking
Now included in your WCU mobile banking app!
It's never been easier to deposit a check on the go! Quickly and easily make a deposit to your WCU accounts using your Apple or Android App. Here are the simple step-by-step instructions:
Step 1: Choose an account
Step 2: Enter the amount
Step 3: Take pictures of the front and back of the check
Step 4: Review and submit!
It's so simple and convenient, you're going to miss coming in to see us. If you already have our app for your smartphone, be sure to check for our update so you can access mobile deposit!
Do I have to be an eTeller online banking user to access to my account through a mobile application or a mobile device?
Will I be able to work with all of my accounts using mobile banking?
You will be able to access any of your accounts that you have allowed mobile banking access to (from the full site version). At this time, Mobile Deposit is only available to checking accounts.
Is there a fee for mobile banking?
No, there is no charge for mobile banking. However, mobile carriers may charge for internet access and/or text messages.
What devices can I use to make mobile deposits?
You need an Apple iOS device (iPhone or iPad) or an Android device (smartphone or tablet) capable of taking a photo.
What can I deposit?
You can deposit any check payable to you on a U.S. bank or credit union account. Third party checks or checks drawn on foreign banks are not eligible for deposit.
How much can I deposit using mobile deposit?
You can deposit up to 10 items per day. Checks up to $25,000 can be deposited.
How will I know if I have taken the picture correctly?
The application will check the picture for quality. If the quality is poor, or the entire check image is not visible, the application will ask you to retake the picture.
What if I enter the wrong dollar amount?
The mobile check deposit application will know that the amount entered does not match the item and will reject the deposit. You must re-enter the dollar amount by selecting that field and making the appropriate correction.
I made a deposit but don’t see the funds in my account. How long will it take to process my deposit?
Mobile deposits are reviewed and processed by 4:00 PM each business day.
Checks deposited before 4:00 PM will be processed the same day. Checks deposited after 4:00 PM, on weekends, and on holidays will be processed by 4:00 PM the next business day.
*Funds may not be available immediately, similar to deposits made at an ATM. Read below about holds and availability.
Once deposits are processed, you will see the deposit in your account via eTeller or through the mobile banking app.
Will I have immediate access to those funds?
No. Those funds will be available when the check is verified for available funds and authenticity. In some cases, depending on the type of item you deposit, your funds may be delayed longer. If you need more immediate access to the funds, it’s best to deposit the item in person at a WCU branch.
How long are my funds held?
Checks below $2,500 are held for 3 business days. Checks from $2,500 to $25,000 are held for 5 business days.
All mobile check deposits on new accounts (open for less than 90 days) are held for 10 business days.
Are there any reasons why my check deposit would be rejected? How will I know? And what are my options if my check is rejected?
If your mobile deposited check is rejected for any reason, we will send you a notification via email. Depending on the reason, you may be able to deposit that item at any branch location or WCU ATM. For example, if the check is over the dollar amount limit, or the daily item count limit, or if it's unable to be read, we can generally accept these items in person or at the ATM.
Please note: if you are attempting to deposit a third party check, or if the check is altered or incomplete, we will not accept this item for deposit by any means.
How should I endorse my check for deposit?
Checks must be signed and include the following phrase on the back of the check: “For deposit only, WestStar CU Account #__________”.
What do I do if the deposit will not process?
There may be instances when the application will not recognize your item for deposit. If that occurs and you are unable to complete a deposit using the mobile banking application, please take the item to the nearest WCU ATM or branch location for deposit.
What do I do with the check once it's been deposited through mobile deposit?
When you receive confirmation that we have processed your deposit, please clearly mark the item "Electronically Presented" or “VOID” to ensure it is not represented for payment. Please retain the item for 14 calendar days before properly disposing of it (i.e. shred) in the event that we need to view the physical item for any reason.
Is mobile banking secure?
Mobile banking offers the same high-level security and encryption as eTeller online banking. However, it is your responsibility to protect your remote device and security credentials from unauthorized access. You assume the entire risk for the fraudulent or unauthorized use of your security credentials.
If you have any questions we haven't answered here, please let us know!