Mobile Deposit Frequently Asked Questions
What is Mobile Deposit (MD)?
Mobile Deposit is a way for you to deposit checks wherever you are. You can deposit a check into your GEMC Credit Union (GEMC CU) checking account using your smart phone, no need to visit a branch, but we will miss seeing you in person.
What are the Fees for Mobile Deposit?
Nothing, that’s right, we are not charging a fee for this great service. If a check cannot be processed or someone gives you a bad check, there may be a fee. We explain how that works in our Rate/Fee schedule.
When can I access or use the money that I have deposited?
If you deposit the check before 3:00 P.M Monday through Friday, you can access your money that same day. If you deposit the check after 3:00 P.M Monday through Friday, you can have access to your money the next business day after 4:30 P.M.
Do I need to sign anything before I can start using Mobile Deposit?
You do not have to physically sign anything. You do, however, need to be enrolled in online banking prior to downloading the app. Simply go to www.gemc.org and click Enroll Now in the top right corner.
How do I begin using Mobile Deposit?
After you have enrolled in home banking, please go to the Apple Store or Google Play store and search for GEMC. Download the GEMC App and you can begin accessing your GEMC CU accounts from your mobile device. To use Mobile Deposit, go to gemc.org, click on the On-The-Go tab, and go to the Mobile Deposit link. Click on the Apply Now button, complete and submit the form. You will receive an email from GEMC CU with the mobile deposit agreement and detailed instructions on how to use the service. Once you receive that email, you are free to start using mobile deposit!
What type of checks can I deposit into my account, using Mobile Deposit?
The checks need to be payable to you. The name on the check must match the name on the GEMC CU Account. We accept check deposits from financial institutions based in the United States. Before you take a picture of your check to start the deposit process, endorse the back of the check with your signature and the words “for Mobile Deposit Only”.
What is the maximum amount I can deposit using Mobile Deposit?
You may deposit up to $5,000 per day, and no check can be for more than $5,000. If your check is for more than $5,000 you get to come see us in person, mail the check, or visit one of our 5,000 shared branches.
Can I make multiple deposits into my account in one day?
Yes, you can make multiple deposits in one day; however the maximum total for the day is $5,000. Anything larger than that, you can come visit us or mail the check to the office or visit a shared service center.
Will holds be placed on checks when I use mobile deposit?
We all hate holds, but sometimes they are necessary. GEMC CU uses the same hold policies as if you came into our office in person. Usually you will not have a hold, but feel free to call us or refer to your membership agreement for more details.
What should I do with a check once it has been deposited using my smart phone?
You should keep the actual check for 60 days once you have deposited the check via the mobile deposit service. After 60 days feel free to shred, burn or use whatever method you prefer to safely discard documents.
The amount I entered for a deposit is different from the amount credited to my account, what happened?
After GEMC CU reviewed the check that was deposited, we determined that the amount entered was different from amount written on the check. If you think there is an error, please feel free to call us and we can review the transaction together.
Do I need a deposit form or slip to make a deposit?
No, we make it simple, after endorsing the check, just take a clear picture of the back and front of the check and you’re done.
Can I make a mobile deposit directly into my savings account?
No, you cannot deposit a check directly into your savings account. However, you can deposit the check into your checking account and then you can transfer the money into your savings account from within the App. Don’t have a checking account with the Credit Union? That is an easy fix, we have a checking account that does not have a monthly fee and does not require a minimum balance.
Can anyone have GEMC CU’s amazing Mobile Deposit service?
If you are at least 16 years of age, and a GEMC CU member with a checking account, we want you to use this service! If you have questions about your qualifications, we can discuss that individually.
There is no long term contract, but if you must cancel the service we will understand. Just call us or stop by one of our branches and we will stop the service.
Important Tips on using Mobile Deposit
- When taking a photo/picture of your check, please make sure the check is flat and smooth, and there are no shadows on the check.
- It is best to take the photo on a dark surface and keep the check image within the view finder on your screen.
- It is important that the check is not blurry, all four corners are visible and that the numbers on the bottom of the check are readable.