Affinity plus federal credit union mobile deposit funds availability

Q: How do I deposit a check online Affinity Federal Credit Union?

Log in to your Affinity mobile banking app and select Check Deposit” from the menu bar. Choose the account that you want to deposit your check to. Enter the amount and be sure it matches the amount written on your check. Sign the back of your check and write, For Mobile Deposit Only.” This step is very important!

Deposit checks anytime, anywhere with a just a few taps on you phone. Yep, no more driving to a branch!

Here’s how to get started

Log into your account via Affinity’s mobile app
Select the “Deposit” icon from the menu bar
Select Register
After your registration has been submitted, your account will be reviewed within one business day.

The status of your registration can be found by clicking the “Deposit” icon and select “New Deposit”.

There’s no way it’s that easy, right?

We made a video of an actual check deposit. See all 24 seconds for yourself.

Helpful Tips

Be sure to SIGN YOUR CHECK and write “FOR MOBILE DEPOSIT ONLY AT ACU“
Keep check for 30 days to ensure it is not rejected or returned

*Must be enrolled in Affinity’s Online Banking and Mobile App in order use Affinity’s Mobile Check Deposit service. Checks $500 or less will be instantly available, dependent upon other security factors. Checks over $500 are manually inspected and approved by our staff throughout the day. Once approved, 100% of funds will be instantly available.

Checking and Spending.

Get email or text alerts about your balance. Use 60,000+ ATMs nationwide with your smart-chip debit card. Access your account 24/7 with our top-rated mobile app. It’s all included with your Affinity Plus checking account.

What you Get

Digital Banking

Deposit checks from anywhere with the top-rated mobile app.

Account Security

Debit cards have EMV chips for extra fraud protection.

Card controls let you set alerts and limits from digital banking.

Easy Cash Access

Find nearby, no-fee ATMs1 from the mobile app's login screen.

That's 60,000+ nationwide (MoneyPass, SUM and CO-OP).

Early Pay

Get your paycheck and other direct deposits up to 2 days early at Affinity Plus.

All you need to do is set up direct deposit with your payer.2

MyPlus Rewards™

Debit purchases earn MyPlus Rewards points (applies to both accounts).

Easily redeem them from the mobile app or online banking.

Choose an Account

Better Than Free Checking

Don’t want to worry about a minimum balance? Get the features you expect without requirements.

No minimum balance
No monthly fees

Spending Account

Get control over your money with an account that protects you from overdrafting.

No overdraft fees
Checkless Account

To open a Spending Account, make a Video Banking appointment or visit us at a branch.

Interest Reward Checking

More ta-das, less to-dos. Earn dividends on your money while retaining flexibility.

$200 minimum balance to earn dividends and avoid fees
Free checks (up to 4 boxes per year)3

Getting Started is Easy

Stash Your Cash

Set your account to automatically round up your debit card purchases to the next dollar. The spare change goes right to your savings account, just like that.

Good to Know

There's no surcharge fee when you use your Affinity Plus debit card at an Affinity Plus ATM or at an ATM within our network (MoneyPass, CO-OP and SUM). Transactions made outside of our network may be subject to third-party fee.
Your early access to direct deposits depends on the payer and when they submit their payment file. Affinity Plus usually makes these funds available the day we get the payment file, which can be 1 – 2 days earlier than the scheduled payment date.
Free checks are limited to 4 boxes per year, and only for the style identified as "Affinity Plus Duplicate Custom" (valued at $17.00 per box).

Important Information & Disclosures

Service Fees: A simple explanation of exactly what you can be charged and when.

Truth-in-Savings Disclosure: The rates, terms and limitations that apply to your account.

Does Affinity Plus have mobile deposit?

Check Deposit (Mobile Only) Deposit checks right from your smartphone or tablet, just by taking their picture. No more waiting in lines, or finding deposit-taking ATMs.

How long until mobile deposit funds are available?

In some cases, a mobile check deposit can be available within just a few minutes of uploading the check into the mobile banking app. However, it usually takes around one business day for deposits to go through. Following instructions from the bank carefully regarding uploads can speed up the deposit timeline.

How do I deposit a check online Affinity Federal Credit Union?

Log in to your Affinity mobile banking app and select “Check Deposit” from the menu bar. Choose the account that you want to deposit your check to. Enter the amount and be sure it matches the amount written on your check. Sign the back of your check and write, “For Mobile Deposit Only.” This step is very important!

Are mobile Deposits available same day?

Funds will generally be made available the same day if deposited on a business day before 8:00 PM. The daily deposit limit is $5,000 per account. For peace of mind, you'll receive an email when you deposit the check AND when the funds are available in your account.