Mobile Check Deposit

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

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

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

Any member with VyStar’s Internet Banking access and a valid email address may use Mobile Check Deposit. You must accept the Mobile Check Deposit Services Agreement (“Services Agreement”) when presented the first time the application is accessed.

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

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.

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 Account."
3. Check/uncheck the "Display Online" checkbox to display/hide your accounts.
4. Finally, click "Update Preferences" to save your changes.

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.

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

Yes. All checks deposited through the service must be endorsed by any and all payees with a restrictive endorsement “For Mobile Deposit.”

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.

One check per deposit is allowed at this time.

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.”
3. Open the app and select "Deposits."
4. First-time users must accept the service agreement and receive a confirmation.
5. Select the VyStar account  (savings or checking) you would like to deposit to the check into.
6. Enter the amount of the deposit.
7. Take a picture of the front and back of the check.
8. Confirm the deposit information and submit.

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

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

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.

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.

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

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)

You should securely store each original check at least 14 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 14 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.

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.

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.

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.

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.

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 Call Center at (904) 777-6000 or 1 (800) 445- 6289.