What is Mobile Deposit?
Mobile Deposit Capture allows you to deposit checks directly into an ACT 1st Federal Credit Union checking, savings or money market account by simply taking a picture of the check with your smartphone or tablet.
What amount can I deposit?
Depending on the Mobile Deposit Tier for which you are approved/enrolled, you may deposit:
Tier 1: Classic (Account Open 30 Days – 1 Year)
- Per Item: $500.00
- Per Day: $1,000.00
- Per Month: $5,000.00
Tier 2: Premium (Account Open 1 – 2 Years)
- Per Item: $1,500.00
- Per Day: $3,000.00
- Per Month: $6,000.00
Tier 3: Platinum (Account Open > 2 Years)
- Per Item: $2,500.00
- Per Day: $5,000.00
- Per Month: $10,000.00
What’s the cost?
ACT 1st Federal Credit Union does not charge for its Mobile Deposit Capture. However, your wireless provider may assess data and message rates, and you may be responsible for those charges.
When are the funds available?
If you submit a deposit to us on a business day prior to 5:00 pm, the deposit will be credited to your account that day, and in most cases, will be available to you according to our Funds Availability Policy. Deposits made after 5:00 pm on Fridays, Saturdays and Sundays, and on Credit Union observed holidays will be available to you the next business day and according to our Funds Availability Policy.
What device can I use?
ACT 1st Federal Credit Union’s Mobile Check Deposit is compatible with the iPhone® mobile digital device, iPad® mobile digital device and Tablets and/or Phones for Android™.
iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc. Neither Apple Inc. or Google Inc. endorse or sponsor the ACT 1st Federal Credit Union Mobile Deposit Capture service.
How we handle deposit issues
A deposit will be rejected if the check image is blurry or if the check was already deposited. You may receive an email from us, letting you know the check was rejected. If you enter the check incorrectly, your deposit will be adjusted and you may be notified by email.
Who is eligible?
Your deposit account must be open for a minimum of 30 days and have no history of returned items, past due loan payments greater than 30 days or overdrafts. (A Courtesy Pay payment is permissible so long as the negative balance is/was resolved within the required time period.) You must be at least 18 years old with a valid email address and mobile telephone number. Only personal accounts are eligible for Mobile Deposit Capture. Business accounts (such as a DBA, Sole Proprietorships, Partnerships, etc.) are not eligible.
How do I apply?
Stop by any of our branches or give us a call at (301) 729-8015!
Please refer to the ACT 1st Federal Credit Union Disclosures and Agreement (PDF – new window) for complete details.
If you have further questions, you can contact a Credit Union representative by visiting your local branch office or by:
Mail: 1313 National Hwy STE 7 PMB 326 LaVale, MD 21502