Members first credit union mobile deposit funds availability

Find the answers to your questions related to Members 1st products, and services.

How do I remotely deposit checks?

Remote Check Deposit is available through the Members 1st Mobile App allowing you to deposit checks remotely without visiting a branch. Download the Members 1st Mobile App, endorse your check, enter your check information, and take photos of the front and back of your check.

*Note: Mobile deposits can only be completed from your smartphone or tablet and cannot be completed by a desktop computer or laptop.

Instructions

  1. Download the Members 1st Mobile App to your mobile device and login to your account
  2. Endorse your check by signing the back, writing your account number, and the phrase "For Remote Deposit Only"
  3. Snap photos of the front and back of your check
  4. Enter the desired location in your account to deposit your funds
  5. Complete your deposit, but retain your physical check for 60-90 days

Video Instructions

Security

Your security is our utmost priority, which is why remote deposit transmissions are safeguarded by 128-bit SSL (Secure Socket Layer) encryption to prevent unauthorized access. The secure login information is never stored on your smartphone or tablet. For added protection, an automatic inactivity logout occurs if the app is inactive for ten minutes. Plus, account numbers are truncated and masked to only display the last four digits.

Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now

Mobile Deposit

Making check deposits to your savings and checking accounts has never been easier or more convenient. No matter where you are, skip the trip to the credit union and deposit funds in a snap.

Just follow these simple steps:

Download, activate and sign in to our Mobile App.

Search “membersfirstga” in your device’s app store and look for Star Guy.

Select “Deposit” from the drop-down menu.

Be sure to read through the deposit instructions on the following screen.

Endorse your check.

Be sure to include “For Mobile Deposit Only to MFCU” in a blank area on the front of the check and at the top of the endorsement area on the back. Don’t forget to include your member/account number and your signature on the back of your check.

Select the account in which you’d like your check deposited.

Deposits via Mobile App can only be made to a checking or savings account and cannot be deposited directly to a loan.

Select the type of check you are depositing and enter the amount of your check.

If the check is from a friend or relative, it’s likely a personal check.
Refunds, payroll and other checks will likely be business checks.

Select “Take Picture”.

Make sure you have enough light and your check is against a dark background.

Ready? Set? SNAP!

Ensure all four corners of your check are within the screen. When you’re ready to take the photo, just tap the screen. Save your image by selecting “USE.” If your check appears blurry or out of the frame, just select “Retake” and try again. Repeat this process with the back of your check.

Review and Deposit!

Review the images you’ve taken and select “Deposit.” A member advisor will review your deposit and notify you when your funds will be available. Skip the Trip and Simplify your Finances with Mobile Deposit. If you have questions or want to be enrolled, call (404) 978-0080 or drop by one of
our locations.

What is mobile deposit?

Have a check you need to deposit but can't make it to a branch? No problem. With mobile deposit, you can deposit your checks from your phone anywhere, anytime. You can even make loan payments with mobile deposit. No envelope or deposit slip required, either! Plus, with mobile deposit, we're able to provide you with a greater availability of funds than our ATM machines can.

Benefits

Real-time Deposits

No envelope or deposit slip required. You can conveniently make check deposits 24/7.

Deposit Options

You can deposit into your Regular Savings, Supplemental Savings, Goal Savings, Money Market, HSA Account, Checking Account and make payments to closed-end loans.

24/7 Digital Banking Access

Deposit checks anytime, anywhere.

Members first credit union mobile deposit funds availability

Common Questions

    You may enroll in one of two ways:
  • In the Mobile App – navigate into an account and click the "deposit check" button.
  • From a desktop computer – log in to online banking, navigate into an account, click the services tab, and click on the mobile deposit tile.

This service is for single party domestic checks payable to the owner(s) of the account. An example would be a check written to you for a wedding, birthday or graduation gift or check(s) you collected because you sold some goods (example school fundraiser or similar). But it's not just limited to personal checks, mobile deposit works for stimulus payments and payroll checks, too.

You may not use this service to deposit foreign checks drawn on a foreign bank; money orders; or checks payable to an individual not on the account.

An appropriate endorsement is considered to have a payee signature on the first line on the back of the check, and the hand written words "For Mobile Deposit Only at Members 1st Federal Credit Union" on the second line directly below the signature. Pre-printed text or pre-printed text with a checkbox is not acceptable.

Call an expert

Open Your Account Today

You can open your account online in just a few minutes. Or if you like, stop by any of our branch locations and we can do it for you.

How Long Does Members 1st mobile deposit take?

Regardless of the above circumstances, in all cases the first $250 of all deposits will be made available the day of deposit. If the funds are deposited to a new account (for new member) that is less than 30 days old, all funds deposited will be available on the 5th business day after the date of deposit.

How long does it take for a check to clear members first?

Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, travelers, and federal, state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions.

Does Members Credit Union have mobile deposit?

No need to come to the credit union office to deposit your checks into your account! Save time and money by depositing your checks by phone. Sign up is quick and easy. Download and read the Mobile Check Deposit Agreement and the Mobile Check Deposit Rules and Procedures.