Mobile Deposit

Mobile Deposit is a remote deposit solution using your smartphone, tablet or other mobile device. You take photos of the front and back of your endorsed paper check to quickly make deposits to your designated Bronco account.

Bronco does not charge any fees for using Mobile Deposit. However, your mobile service provider may charge you for data plan usage, so check before you start using the service.

Members who meet the following criteria are eligible:

• Have a primary savings account.
• The account must be active and in good standing* according to Bronco’s Bylaws.
• Member must have current information on file.

Yes. The link between your mobile device and our Mobile Deposit site are encrypted to industry standards. Your scanned check is secure and protected through this link.

You agree to restrictively endorse any item transmitted through the Services as “For Mobile Deposit Only, Bronco Federal Credit Union,” or as otherwise instructed by Bronco Federal Credit Union. If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit.

You can deposit as many checks as you’d like up to the daily maximum deposit limit. However, you can only deposit one check at a time.

Our current daily deposit limit is $3,000 per day.

Please visit a Bronco office or ATM, or use the U.S. mail to deposit checks written over your limit.

Checks may be deposited if they are single-party, domestic checks made payable to:

• The owner(s) of the account.
• Or the name of the business.

The following is a list of unacceptable items that may not be deposited using Mobile Deposit:

1. 1. Checks or items payable to any person or entity other than you or a joint account holder.
   2. Checks or items drawn or issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint holder.
   3. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent and otherwise not authorized by the owner of the account on which the check or item is draw.
   4. Checks or items drawn on a financial institution location outside of the United States.
   5. Checks or items not payable in U.S. currency.
   6. Checks or items dated more than six months prior to the date of deposit.
   7. Travelers check or savings bonds.
   8. Checks or items previously converted to a substitute check, as defined in Regulation CC.
   9. Checks the required authorization (i.e., COMCHEKS).
   10. Checks that have previously been submitted through the Service or through a mobile deposit capture service offered at any other financial institution.
   11. Checks that are remotely created checks, as defined by Regulation CC.
   12. Checks with any endorsement on the back other than that specified in this Agreement.
   13. Checks or items that would not be eligible for deposit at Bronco FCU in person, by mail or at an ATM.

Yes, in some cases. Holds are placed according to our standard hold policy. Then check your hold amount, if any, look at your available balance after a deposit to see if all of the funds are available. Holds depend on factors such as in- or out-of-state checks, account status and dollar amounts.

You may deposit funds to any of your Bronco savings, checking or Money Market accounts.

In general, if an image of an item you transmit through the Service is received and accepted before 4:00 p.m. Eastern Time on a business day that we are open, we consider that day to be the day of deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Please refer to the Funds Availability Policy Disclosure which was provided to you when your account was opened. An additional copy can be obtained from https://www.broncofcu.com/.

No. The check can only be deposited into Mobile Deposit once. If you entered the check amount incorrectly, please contact Bronco at 757.569.6000.

Please double-check the following:

• Your check photos are clear and legible. Be sure there are no shadows or wrinkles on the check and that the check is not blurry.
• The check is positioned against a dark background.
• The MICR line (the bottom part of the check that includes your account number and financial institution’s routing number) is visible.
• The check number, payee, endorsement, numeric amount, written amount and MICR line are all readable.

A success message will appear in the mobile deposit history on your device. The quickest way to verify your deposit is to review your account history in Online24 or Mobile Banking once you have the accepted message to see the deposit credited to your account.

After your check is scanned, please store your check in a safe place or 30 days or until the deposit appears on your monthly statement. Then you can securely destroy it. Be sure the check is not rescanned or deposited elsewhere. Write “VOID” on “Electronically Presented” on the front of the check.