Schools MobileCheck FAQs

  1. What is MobileCheck?
  2. Is MobileCheck safe?
  3. Am I eligible to use MobileCheck?
  4. On which devices does MobileCheck work?
  5. How much does MobileCheck cost?
  6. Why do I have to accept your eSign agreement?
  7. Can I deposit more than one check at a time?
  8. Is there a limit to how much I can deposit?
  9. Do I have to frame the check perfectly before taking the picture?
  10. Why am I unable to deposit my check?
  11. How do I know my check was deposited?
  12. Can I verify my deposit later?
  13. Do I have immediate access to the funds?
  14. What do I do if the deposit will not process?
  15. What do I do with the check after it's been deposited?

1. What is MobileCheck?
MobileCheck is Schools’ new remote deposit capture application that allows members to deposit a check into an account using the camera on most mobile devices.
Back to Top

2. Is MobileCheck safe?
Yes. The link between your mobile device and our MobileCheck site is encrypted to industry standards.
Back to Top

3. Am I eligible to use MobileCheck?
To use MobileCheck, you must be a current Schools member with a checking or savings account. You must also be enrolled in SchoolsOnline, have accepted our eSign disclosure and have downloaded our FREE Mobile Banking app.

Back to Top

4. On which devices does MobileCheck work?
MobileCheck is supported on all Android phones and tablets, and on all iOS devices with cameras (with the exception of the iPad 2 as the camera resolution is not compatible with MobileCheck).
Back to Top

5. How much does MobileCheck cost?
MobileCheck is FREE to Schools members.

Back to Top

6. Why do I have to accept your eSign agreement?
You are entitled by law to receive certain information from us "in writing." The federal E-SIGN Act and certain state laws allow us to provide this information to you electronically instead, with your prior consent. We also need your general consent to use electronic records and signatures. Before you obtain products or services electronically through SchoolsOnline, you must review and consent to the terms outlined in the agreement.
Back to Top

7. Can I deposit more than one check at a time?
Only one check at a time is accepted; however, you may deposit multiple checks during a single session.
Back to Top

8. Is there a limit to how much I can deposit?
No single check over $10,000 will be accepted.
Back to Top

9. Do I have to frame the check perfectly before taking the picture?
No, space around the sides of the check is fine. Just make sure all four corners of the check are visible.
Back to Top

10. Why am I unable to deposit my check?

There are a few common errors that may cause your check to be rejected:

  • Image is blurry
  • Amount entered doesn’t match amount on check
  • Check photo is too dark
  • Ripped, folded check corners
  • Illegible routing and account numbers

Try using MobileCheck in a well lit area to prevent shadows and poor image quality. Keep your hands clear of the check while taking the picture.
Back to Top

11. How do I know my check was deposited?
After submitting images of the front and back of your check, you will receive onscreen confirmation that we have received your deposit. Checks are generally posted to your account the same business day.
Back to Top

12. Can I verify my deposit later?
Anytime you are signed into Schools Mobile Banking, tap the “History” button in MobileCheck. There you will see a list of checks deposited, as well as images of those checks.
Back to Top

13. Do I have immediate access to the funds?
Checks deposited through MobileCheck are generally posted to your account in real time. However, standard holds may apply.
Back to Top

14. What do I do if the deposit will not process?
If MobileCheck is unable to read the check information, you may deposit the check at a Schools Financial Credit Union ATM, deposit-accepting CO-OP ATM or any Schools branch.
Back to Top

15. What do I do with the check after it's been deposited?
After you receive confirmation from us that we have received the check, prominently mark the check as Electronically Presented or VOID to ensure that it is not represented for payment.
Back to Top