Skip to Main Content Skip to Internet Banking Skip to Sitemap
COVID-19
We are here to help our members. Branch Status | Mortgage | Loans | Businesses | Stimulus | Announcements
Close Alert
VyStar Credit Union VyStar Credit Union mobile view
  • Login
  • Become a Member
  • Locations
  • Contact Us
Search this site
  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Dr. Phillips Center Frontyard Festival™
      • Orlando Solar Bears
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership
Login
Search this site

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Dr. Phillips Center Frontyard Festival™
      • Orlando Solar Bears
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership

  • Login
  • Become a Member
  • Locations
  • Contact Us
Home > Online Services > Mobile > Mobile Check Deposit

Mobile Check Deposit

VyStar Mobile App Deposit MenuOn your list of things to do today, depositing your checks is definitely going to be the easiest. Running this errand is now as simple as snapping a photo with your phone. 

To get started:

  1. Download the most recent version of our VyStar Mobile Banking App onto your device. If you already have it, skip to the next step. 
  2. Sign the back of your check and write “For Mobile Deposit at VyStar Credit Union.”
  3. Open the app and select "Deposits."
  4. Select the VyStar account (savings or checking) you would like to deposit to the check into. 
  5. Enter the amount of the deposit.
  6. Take a picture of the front and back of the check.
  7. Confirm the deposit information and submit.

How to set up a Mobile Deposit...

Email Alert:
  1. Log in to Internet Banking.
  2. Click on “Settings/Service” at the top right of the screen.
  3. Click on “Manage Alerts.”
  4. Under the “My Settings” tab, click “Add New Email” to add an email address.
  5. Once your email address is confirmed, click on the “My Alerts” tab.
  6. Select "Add New Account Alert" and choose an account.
  7. From the "Alert me when" drop-down menu, choose "A mobile check deposit has posted."
  8. Choose an email address from the "Delivered To" options and click "Save."
Text Alert:
  1. Log in to Internet Banking.
  2. Click on “Settings/Service” at the top right of the screen.
  3. Click on “Manage Alerts.”
  4. Under the “My Settings” tab, click “Add New Mobile Device."
  5. Check the "Alerts" box and click "Continue."
  6. Once your phone number is set up, click on the “My Alerts” tab.
  7. Select "Add New Account Alert" and choose an account.
  8. From the "Alert me when" drop-down menu, choose "A mobile check deposit has posted."
  9. Choose a phone number from the "Delivered To" options and click "Save."
Push Alert:
  1. Log in to Mobile Banking using the VyStar Mobile Banking app.
  2. Click the “More” icon and select “Alerts.”
  3. Click on "Account Alert."
  4. Select an account from the list provided.
  5. Choose the Mobile Check Deposit alert from the list.

Quick tips: 

  • While we don’t need to receive your physical checks, we recommend keeping them in a safe place for 30 days after depositing via Mobile Check Deposit.
  • Some checks may require additional review before they are processed. Mobile Banking text/email/push alerts can be set up to notify you when the deposit has posted.
  • Some common reasons checks are held for review include:
    • Fields or characters on a check image that are difficult to read
    • Missing or illegible signatures
    • Duplicate check image
    • MICR Line (the series of numbers and symbols that appear along the bottom of your check) not visible enough if signature loops into MICR line, check background is too dark or a fold causes a shadow. 
Wireless provider data rates may apply. Members must satisfy certain criteria to qualify. Deposit limits and other restrictions may apply. You can deposit the following check types: personal, government, business, traveler’s, cashier’s or certified, drawn on a U.S. financial institution or in U.S. funds. The funds you deposit via your mobile app may not be available for immediate withdrawal. Please refer to your Service Agreement for full disclosure.

Mobile Check Deposit FAQ

What is Mobile Check Deposit?

Mobile Check Deposit is a service that allows members to electronically transmit an image of their check using an iPhone®, iPad®, AndroidTM phone, or Android tablet for deposit to their VyStar savings or checking account(s).

How do I access Mobile Check Deposit?

Mobile Check Deposit is a feature within VyStar’s Mobile Banking App. Please refer to the instructions above for further details.

Do I have to be a member of VyStar to use this service?

Yes, you must be a member in good standing with an open and active savings or checking account.
 

Who can use Mobile Check Deposit and how do I enroll?

Any member with VyStar’s Internet Banking access may use Mobile Check Deposit. You must accept the Internet and Mobile Banking Service Terms and Conditions when presented the first time the application is accessed.

How do I know when I can begin using the service?

You can use the Mobile Check Deposit service immediately after accepting the Services Agreement.

Is special equipment needed for this service, hardware or software?

VyStar’s Mobile Banking App is certified for use with the Apple iPhone, Apple iPad, Android phone, and Android Tablet. The software version required to use this service is specific to the device you are using.

What accounts are available for deposit within Mobile Check Deposit?

Deposits may be made to your savings, checking, money market checking and money market savings accounts, as applicable. If you cannot see all of your savings and/or checking accounts make sure the accounts have not been “hidden” within Internet Banking.
If you would like to unhide an account:

  1. Click "Settings/Service."
  2. Under the "Other Settings" section, click "Manage Alerts."
  3. Click on “My Accounts” tab
  4. Check/uncheck the checkbox to display/hide your accounts you wish to see on Mobile Banking app.
  5. Finally, click "Update Accounts" to save your changes.

What kind of items can be scanned?

Items that can be scanned and accepted through Mobile Check Deposit are:

  • Personal checks
  • Government checks
  • Business checks
  • Money orders
  • Traveler’s checks
  • Cashier’s or certified checks

All checks must be drawn on a U.S. financial institution and in U.S. funds.

Are there any items that cannot be scanned?

Yes. Unacceptable items include, but are not limited to the following:

  • Checks payable to any person or entity other than member, i.e., third party checks
  • Checks containing altered fields on the front of the check or item, or checks that are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn
  • Checks payable jointly, unless deposited into an account in the name of all payees and endorsed by all payees
  • Checks previously converted to a substitute check, as defined in Regulation CC
  • Checks that require an authorization code or number
  • Checks drawn or payable through any foreign bank or a financial institution located outside the United States
  • Checks not payable in U.S. currency
  • Checks dated more than 6 months prior to the date of deposit (stale dated checks)
  • Checks that are post-dated
  • Checks that are in any way incomplete, i.e. missing or incomplete endorsement

Are there any special endorsement requirements for checks deposited through Mobile Check Deposit?

Yes. All checks deposited through the service must be endorsed by all payees with a restrictive endorsement “For Mobile Deposit at VyStar Credit Union.”

Are there limitations to the amount the check can be?

Yes. The maximum amount that can be scanned is $5,000 per item and $5,000 per day. The application does not allow a dollar amount to be keyed above the maximum limit. VyStar may establish limits on the dollar amount and/or number of items or deposits from time to time.

How many checks can be included in one deposit?

One check per deposit is allowed at this time.

How do I make a deposit with Mobile Check Deposit?

After you log into VyStar’s Mobile Banking App you will:

  1. Download the most recent version of our VyStar Mobile Banking App onto your device. If you already have it, skip to the next step. 
  2. Sign the back of your check and write “For Mobile Deposit at VyStar Credit Union.”
  3. Open the app and select "Deposits."
  4. Select the VyStar account (savings or checking) you would like to deposit to the check into.
  5. Enter the amount of the deposit.
  6. Take a picture of the front and back of the check.
  7. Confirm the deposit information and submit.

How do I know the deposit was received?

The item submitted for deposit will show in your deposit history.

How do I know the status of the deposit?

Within the "Deposit History" tab, each deposit will have a status icon displayed, identifying if a deposit is accepted, rejected or pending review.

How long does it take for a deposit to post?

Members can scan 24 hours a day, seven days a week. Mobile Check Deposit transactions will periodically post in batch files throughout the day Monday through Friday, excluding Saturday, Sunday and Federal holidays. All deposits received and reviewed by 5:00 pm Eastern Time will be posted the same business day. Deposits received after 5:00 pm Eastern Time will be reviewed and posted the following business day. Text/email/push alerts can be set up to notify you when the deposit has posted.

I can see that the deposit was accepted but do not see it posted to the account. Where is the deposit?

The batch posting file may not have been posted or the account selected may not have been a valid account. When selecting the deposit account, a closed or restricted account could have been selected. Any deposit(s) that have been rejected will be reviewed the following business day.

What happens if the same check is scanned twice?

The application will detect duplicate items scanned within the credit union. Therefore, the duplicate transaction will not be processed.

My deposit was rejected after being submitted. Why would this happen?

The deposit could be rejected for any of the following reasons (this is not an all-inclusive list):

  • Front and/or back image is not legible—including, but not limited to, MICR information (routing and account information on the bottom of the check), payee or maker information
  • Written and numerical amounts do not match
  • The endorsement or authorized signature is missing or incomplete
  • The check was a duplicate item
  • The payee is not on the deposit account (third party)

What should I do with a check after it has been scanned?

You should securely store each original check at least 30 calendar days from the date the image was submitted and accepted. Please note that you are solely responsible and liable for the security and storage of the original checks and for any loss or misappropriation of these checks. After the 30 days, you may dispose of the check in a manner that will ensure the check will not be presented again (such has shredding), mark the check as “Electronically Presented” or “VOID,” or you may continue to securely store it in order to ensure that it is not presented again for payment.

Are deposits placed on hold?

All transactions are subject to VyStar’s Funds Availability Policy and will be reviewed accordingly. Please refer to the Services Agreement for Funds Availability for additional information.

Can a check be re-deposited if it is returned against my account?

A returned check may be re-deposited via mail or taken to a branch location—provided the check is not stamped “DO NOT REDEPOSIT.” VyStar will provide you with an Image Replacement Document (IRD) or Photo in Lieu.

What if I do not have a valid email address?

As stated in the Services Agreement, you must have a valid email address to use this service. You could be notified via electronic mail (email) through various steps of processing.

What happens if my mobile device is stolen or lost?

VyStar’s mobile banking security features include multifactor authentication (MFA), which is designed to ensure a more secure method of accessing your accounts. You should contact your carrier for further instructions for a lost or stolen device.

If I have questions or encounter a problem, where can I receive help?

The Mobile Check Deposit service is designed as an easy-to-use, self-service product; however, should you encounter any problems or have questions about the process, please contact VyStar’s Contact Center at (904) 777-6000 or 1 (800) 445- 6289.

Mobile
  • Mobile Check Deposit
  • Touch ID/Fingerprint Recognition
  • Card Control App
Related Resources

Bill Pay Services

External Transfers

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
    • Lending
    • Business Banking
    • Cards & Services
    • Investments
    • Insurance
    • Real Estate Services
  • Online Services
    • Mobile
    • Internet Banking Access
    • Protection Center
  • Financial Tools
    • Advice & Planning
    • Financial How-To
    • Investments & Insurance Tools
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
    • Newsroom
    • Organization
    • Community Involvement
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
    • Benefits of VyStar Membership
  • Like our page on Facebook
  • See our photo stream on Instagram
  • Follow us on Twitter
  • Subscribe to our YouTube channel
  • Check us out on LinkedIn
  • Explore our Pins
  • Sitemap
  • Careers
  • Disclosures
  • Privacy
  • Security
  • Accessibility

VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

  • Federally Insured by NCUA
  • Equal Housing Lender
  • Verified by Visa