We compiled some easy how-tos for our Mobile Deposit system in our Mobile Banking App! Follow along, and then read our tips on making sure your deposit experience is easy and convenient. Steps For our Mobile Deposit Minimum
OS Requirements:
Mobile Deposit Tips
- Endorse your check by signing the back in blue or black ink and writing “For Remote Deposit Only, AAGCU, acct#_____” near your signature
- Use a dark backdrop when photographing your check
- Smooth out check so that it lies flat
- Know that some checks don’t work with Mobile Deposit, e.g., checks with a cluttered design and occasionally unemployment insurance checks and money orders
Photo Tips
- Hold the phone directly above the check, do not hold phone at an angle
- Hold the phone as steady as possible
- Keep the default flash on for better lighting
- Verify the entire check is visible and that the text is clear
Post- Deposit Tips
- Mobile check deposits can take a few minutes to appear and do not show up immediately
- Call us at (206) 824-9800 if you need assistance with your deposit
- Avoid duplicating a deposit by writing “Deposited” on the back – be sure to also include the date you deposited.
Not interested in direct deposit of your distributions, but having difficulty getting to the bank to cash your checks? Many banks are now offering a new technology called “remote deposit.” If you have a bank account, a smartphone and an Internet connection, you may be able to take advantage of remote deposit to deposit your checks without having to make a special trip to the bank. There are many advantages to remote deposit: Generally, you’ll need to download an app from your bank’s website and also create an account with your bank. To deposit a check, in most cases you’ll: 1) sign into the app; 2) select the
deposit option; 3) snap a picture of the front and back of your endorsed check; and 4) click a button to upload the photos and make your deposit. When you’re done, it’s a good idea to make a note on the check so you don’t forget that you’ve already cashed it. Shareholders who are interested in remote deposit should contact their banks directly to see if the option is available (URLs to remote deposit information at the banks most popular with
our shareholders are listed above). Because processing times vary for remotely deposited checks, be sure to confirm with your bank when funds will be available. Your bank can also tell you about the security measures they’ve taken in connection with remote deposit.Remote Deposit of Paper Checks
- Overview
Mobile Deposit Instructions
To use Mobile Deposit, it is important to endorse the back of your check with “For mobile deposit at SOAFCU”:
Skip to more Mobile Deposit Instructions
Download Mobile Deposit Cheat Sheet
Mobile Deposit
Use our mobile app to take a picture and deposit a check.
- Deposit money from the comfort of your home
- Login to your mobile app and tap the Deposit button
- Checks deposited through the app may be subject to a hold
- Preferred method for Mobile Deposit at Spirit of Alaska
How to Mobile Deposit a check
Mobile Deposit is available through the Spirit of Alaska Mobile App. Download the app through the Apple App Store or Google Play.
- After signing in to the Mobile App with your e-Teller username and password, click the Deposit button.
- Endorse the back of your check with “For mobile deposit at SOAFCU”
- Follow the prompts to take a picture of the front and back of the check.
See our Mobile Deposit Cheat Sheet for additional pictures and helpful instructions. You can check the status of your mobile check deposit at anytime in the app.
Additional Information
Mobile Deposit Hold Policy
Checks deposited through the app may be subject to a hold. Keep your checks for 60-days after posting. Funds are normally available within 3 business days of the mobile deposit.
Required Endorsement
Checks must be endorsed on the back “For mobile deposit at SOAFCU”. To reduce fraud, we will only accept checks for mobile deposit with this endorsement on the back.
Data rates may apply. Check with your mobile phone carrier for details. App store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.
- FAQ
Frequently Asked Questions
- How to I deposit a check using my phone?
Mobile Deposit is available through the Spirit of Alaska Mobile App. Download the app through the Apple App Store or Google Play.
- After signing in with your e-Teller username and password, click the Deposit button.
- Endorse the back of your check with “For mobile deposit at SOAFCU”
- Follow the prompts to take a picture of the front and back of the check. Using a contrasting background for front and back will produce the best deposit image.
See our Mobile Deposit Cheat Sheet for additional pictures and helpful instructions.
- Can I
still use Sprig for mobile deposit?
Spirit of Alaska FCU recommends using the mobile deposit feature of our Mobile App.
We still support mobile deposit through Sprig, but your options are more limited than when using our Mobile App directly. There may also be a higher chance of your deposit being rejected with the Sprig app.
- Why was my deposit rejected?
The most common reasons for a rejected deposit include:
- Your deposit may have not been endorsed correctly with “For mobile deposit at SOAFCU” on the back of the check.
- The images taken of your check may not have been clear enough for a deposit.
- Using a contrasting background for front and back will produce the best deposit image.
You can try and deposit your check again! Verify that the endorsement on the back is correct, and the pictures taken are clear, in focus, and on a contrasting background.
- How can I check the status of my deposit?
The “View Mobile Deposit History” screen will show a list of your deposits and their status, including:
- Pending
- Approved
- Rejected
- Failed
-
Will I be notified when my deposit is processed?
Yes! To your email address on file, you will receive a notice for both approved and rejected deposits. You can also check the “View Mobile Deposit History” screen to verify your deposit’s status.
- How to I deposit a check using my phone?
- Download App