Person holding smart phone

Mobile Deposit

Deposit a check right from your mobile device.

Mobile deposit is just another tool for quick Anytime Account Access.



Mobile Deposit is a secure online service that allows you to deposit checks into eligible P1FCU accounts from a remote location. A check can be photographed with the camera feature on a smartphone. The images and associated deposit information are delivered to P1FCU electronically.

Members in good standing.
*Eligibility requirements are subject to change at any time.

The daily deposit limit for Mobile Deposit is $5,000 a day.
*Daily deposit limits are subject to change at any time.

The first $225 will be available for immediate credit. $1,000.00 will be released on the first business day after the day of your deposit. The excess over $1,200 will be available on the second business day after the day of your deposit.

Android 5.0 and later and iPhone iOS 13.0 and later.

Yes! The Mobile Deposit service is offered through our online banking which requires you to provide a username/member number and unique password each time you log in.

There is no fee for Mobile Deposit at this time. Charges for returned deposit items and other transactions are outlined in P1FCUs rate and fee schedule.

We require each item to be endorsed with the signature of the payee and “For P1FCU Mobile Deposit Only.” This way, checks deposited through Mobile Deposit cannot be deposited at a P1FCU branch or another financial institution.

You can only deposit one check at a time. You must go through the entire process for each check you wish to deposit using Mobile Deposit.

We require all checks to be endorsed with the words “For P1FCU Mobile Deposit Only”. This specific endorsement ensures that checks deposited through Mobile Deposit will not be deposited again at a P1FCU branch or at another financial institution. It is one of many security measures we have put in place to protect accounts from theft and fraud. Checks that are not endorsed as specified will be rejected by P1FCU.

P1FCU accepts any check that is drawn on a U.S. financial institution in U.S. dollars. This includes:

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

The following items are not eligible for Mobile Deposit:
Checks or items payable to any person or entity other than you

  • Checks or items containing an obvious alteration to any of the fields on the front, or checks or items which you know, suspect, or should know or suspect to be fraudulent
  • Checks or items not payable in United States currency
  • Checks written from any account of which you are a primary or joint owner on
  • Items drawn on financial institutions located outside the United States
  • Items previously converted to a substitute check
  • Consumer loans, credit card, and mortgage payments
  • IRA and Share Certificate deposits
  • Travelers checks
  • Money orders
  • Starter or counter checks
  • Amex Gift Cheques
  • Savings bonds
  • Checks that require authorizations (e.g. COMCHECKS, BranchPAY, Rapid Drafts)
  • State-issued registered warrants
  • Checks from another financial institution to a closed account

Under the Settings tab, select Mobile Deposit Enrollment.

  1. Click the “Terms and Conditions” link and review the terms.
  2. Click the Checkbox indicating your acceptance of the terms.
  3. Click Accept. You will see a confirmation screen if you have completed the form correctly.
  4. Once your information has been reviewed by the credit union you will receive an Secure Message indicating that the mobile banking service is turned on.

  1. Sign into the mobile app and tap on Deposit Check (also under the Transactions tab in the Menu).
  2. Choose the account to where you wish to make a deposit.
  3. Enter the check amount.
  4. Properly endorse the checks with For P1FCU Mobile Deposit Only and sign it.
  5. Click the Front of check button for the front side. Verify that all four corners of the check are visible and all elements are legible and click Tap to take FRONT image.
  6. If you are satisfied with the image result then click Use Image, otherwise click Retake.
  7. Center the check and tap the image to snap a picture for the back side so that the endorsement is on the right side of the image.
  8. If you are satisfied with the image result then click Use Image, otherwise click Retake.
  9. Click Submit Deposit.

To prevent deposit errors we recommend that you document the date and “Mobile Deposit” on the front of the check.

For your protection, retain the original check for at least 20 days from the day of deposit. When you are 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 re-submitted for deposit. The risk of loss associated with the accidental inclusion of a physical Check in the Check collection process or with a lost, destroyed, stolen or misplaced Check shall be exclusively on the Member.

The Mobile Deposit service is designed to be a convenient service product. Our online demo guides you through the process. You may also refer to the User Quick Reference Guide. If you still have questions after viewing the demo, speak to one of our Member Service Representatives at 1-800-843-7128.

If your deposit is declined you may redeposit it or bring it into a branch depending on the situation. Reasons that a deposited item may be declined include:

- Ineligible check
- Duplicate check
- Non-negotiable
- Poor image quality
- Missing signature
- Daily dollar amount exceeded
- Missing endorsement
- Unacceptable item
- Stale dated
- Third Party Item