ACU Mobile Apps - Mobile Deposits
Submit checks with your smart phone's camera.

Mobile Deposits

Mobile Deposits are the newest way to send funds to your ACU accounts. Instead of relying on snail mail or making a trip to one of our branches, just open up the ACU Mobile App and submit a picture of your check. It's a great way to save time and add convenience to your ACU membership.

Checks received through the ACU Mobile App are accepted just like ones you mail or deposit in person, but there are a few key differences to be aware of:

How do I qualify?
Members may be granted access to the Mobile Deposit feature after 30 days of account opening. Positive account history is also required. ACU reserves the right to deny access to the Mobile Deposit feature at any time.

How much can I deposit?
Checks over $3,000 are not accepted via Mobile Deposit. Participants are limited to $3,000 in mobile deposits in a single day and $20,000 per rolling 30-day period.

How quickly can I access my funds?
All Mobile Deposits are held for 2 business days to allow time for the check to clear. Due to the way Mobile Deposits are processed in our system, we are unable to make exceptions to this policy. Please consider this delay before submitting your deposits.

How do I get started?
That's the easy part! Just log in to the ACU Mobile App and click/tap the Mobile Deposits button. If it's your first time, you will have to accept an End User Agreement and request access to the system. Your enrollment request will be reviewed and approved by email within 2 business days. Once you are approved, follow instructions on the approval email to submit your first check!

Will my smart phone work with Mobile Deposits?
The ACU Mobile app is available on all reasonably recent Apple and Android-based smart phones. While our developers make every effort to ensure the Mobile Deposit feature is compatible with any device, some devices, especially those which extremely new to the market may experience compatibility issues. Please contact us if you experience issues submitting your checks.

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ACU Mobile App with Mobile Deposits is available for select mobile devices. There is no charge from ACU, but message and data rates may apply. Mobile Deposit access is subject to eligibility and further review. Deposits are subject to verification and are not available for immediate withdrawal. Deposit limits and other restrictions apply.

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