Mobile Deposit

Person holding smartphone, taking a picture of their check.

Mobile Deposit is the remote feature on our ATFCU Mobile App that allows you to deposit your checks in a snap. Using your smartphone or tablet, snap a photo of your endorsed check and send it through your mobile app to your ATFCU account. Confirmation status of your deposit will be sent by email. Mobile Deposit is secure, easy to use and free for eligible ATFCU members.

Endorsing your Mobile Deposit Check

To deposit your Mobile Deposit check, please make sure all proper endorsements are clearly visible for the camera. You will need your signature, account number, and "For ATFCU Mobile Deposit Only" on the back of the check. Failure to use the required endorsement verbiage could result in your deposit being rejected. Below is an example.

Endorsed Check

Check in Phone

Eligibility Requirements for Mobile Deposit

  • Must be over 18 years of age
  • Must have an ATFCU checking account in good standing
  • The member's account must be open for a minimum of 90 days
  • No Loan Delinquency

A member's ability to use Mobile Deposit is subject to eligibility and further review

If you have comments regarding our service, please share them with us at

Registration is required for text banking.

To register for Text Banking login to Online Banking and select "Text Banking" from the main navigation.

Mobile Platforms supported by Mobile Deposit

  • Android OS 5.0 and above
  • iOS 9 and above (iPod Touch with camera, iPhone, iPad 2 and up, iPad Mini)
  • Must have rear facing camera

Get the ATFCU App

Available on the APP store logo.

Available on Google Play logo

Mobile Deposit FAQs

What is Mobile Deposit?
Mobile Deposit allows members to deposit checks using the integrated camera on their mobile device. With Mobile Deposit you can skip the branch visit and capture an image of your check for deposit into your share.
How do I access Mobile Deposit?
Mobile Deposit is accessible within the mobile app by selecting the "Mobile Deposit" button from the menu.  Eligible members will be notified of their deposit limits and criteria.  Mobile Deposit is available to members 18 years or older with accounts open for a minimum of 90 days in good standing.  If you have questions about your mobile deposit eligibility, please contact accounting services at 512-302-5555  Ext 7190.
What connection is necessary to use Mobile Deposit?
Although 3G connection will work for Mobile Deposit, it is recommended to use 4G/LTE or WiFi for best results.
How do I get the best check image?
  • Flatten the check and place it on a dark, non-reflective surface.
  • Ensure that there is adequate light to allow the check to be distinguishable from the background surface.
  • Line up the check with the guide provided on your device and tap the camera icon to take the picture.
  • If the image is not readable when displayed in the app, tap "Retake" to capture a new image of the check.  Perform this for both sides.

If you are unable to deposit the check with mobile deposit, you can visit one of our branches and deposit the check with a teller.

Why are deposits held for review?

All checks deposited are held for review by our accounting services department before posting to your account.

If the deposit is held for review during regular business hours (8-4 M-F, except holidays), the deposit will be reviewed by accounting services that day.

If the deposit is held for review during non-business hours, it will be reviewed the next business day.  Any time a member makes a deposit and it is not held for review or rejected, it will post to the account automatically.

Email correspondence will be used to update the member of the status of the deposited item.  Please make sure that the email address on file is valid.

If you have any questions regarding mobile deposit, please contact accounting services at 512-302-5555 Ext 7190

Can I deposit more than one check at a time?
Yes, you can deposit more than one check per session, but you will need to perform the same steps for each deposited item.  Once your initial deposit is complete, press the back button and press the mobile deposit button to capture your next deposit.
What do I do with my deposited check?

We will use the digital image of your check in order to credit your account.  You will need to hold on to the physical copy for 7 days in case there are any issues with the image presentment.

Click Here for Detailed Instructions.


Questions or comments? Contact us by email at or by telephone at 512-302-5555 Ext 7190.


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