Mobile Deposits

Navy Federal’s Mobile Deposit service is offered through our Mobile Banking* app, which requires you to provide a unique username and password each time you log in. Each item to deposit must be endorsed with the signature of the payee and “For Mobile Deposit Only at NFCU.” By doing so, checks deposited through Mobile Deposit cannot be deposited again at a Navy Federal branch or another financial institution. The Mobile Deposits approval process also includes a review of each deposited item, and automatically detects duplicate deposits within 24 hours of submission.

If Navy Federal approves the deposit and sends you a Deposit Approval Notification email:

For example, if you deposit a $2,500 check through Mobile Deposits on Monday and receive deposit approval before 6 pm, ET on Monday, $225 of the deposit will be available that day. The remaining $2,275 will be available on Wednesday (2 business days after the approval).

All accounts have a $50,000 aggregate limit per business day. Transactions are not limited for business accounts, however personal accounts have a daily transaction limit of 10 check deposits.

• Personal checks
• Corporate/business checks
• Cashier’s checks
• Government checks

Ineligible items include, but aren’t limited to:

• checks or items not payable in United States currency;
• checks or items drawn on financial institutions located outside the United States;
• money orders and travelers checks;
• American Express® Gift Cheques;
• savings bonds;
• checks or items containing an obvious alteration to any of the fields on the front of the check or item which you know or suspect, or should know or suspect to be fraudulent;
• checks or items drawn or otherwise issued by you or any other party on any of your Navy Federal accounts;
• checks or items previously converted to a substitute check;
• checks that require authorization (e.g., COMCHEKS, BranchPay, RapidDrafts);
• state-issued registered warrants;
• eChecks - checks printed using a personal home printer;
• Fiduciary checks - any checks where the designated payee is an individual acting on behalf of another person;
• checks from a closed account at another financial institution;
• checks or items that are incomplete
• Navy Federal reserves the right, in its sole discretion, to determine what items may be considered “Ineligible Items.”
  

Mobile Deposits keeps a history of your mobile deposits and check images for up to 2 years. To view your deposits, select the “Deposit History” button within the Deposits tab.

For your protection, retain the original check for at least 5 days AFTER receiving confirmation that it has been accepted. When you’re ready to discard it, mark it “VOID” and dispose of it in a way that prevents it from being presented for payment again. If an issue should arise and the original check is no longer available, please contact the issuer of the check to obtain a new copy that can be resubmitted for deposit.

If you still have questions after viewing the demo video above, speak with one of our Contact Center Representatives at 1-888-842-6328 or call collect internationally at 1-703-255-8837.

If your deposit item is declined, a message will be sent to the email address on record indicating the reason for the decline. If you feel you need to discuss the matter in more detail, you can call our Contact Center Representatives 24/7 at 1-888-842-6328 or call collect internationally at 1-703-255-8837. Reasons that deposit items may be declined include:

• ineligible check
  
• non-negotiable
• missing signature
• missing endorsement
• stale dated
• post-dated
• duplicate check
• poor image quality
• daily deposit dollar amount exceeded
• unacceptable item

The difference between “Depositor” and “Submitted by” only applies to Mobile Deposits accounts that have an authorized user listed. For these transactions, the primary account holder's name is displayed as the “Depositor” and the authorized user is displayed as “Submitted by.”