Tap. Snap. Submit. Save time with mobile check deposits.
We have changed our Mobile Deposit Limits:
Increased Personal Account Limits:
$10,000 daily deposit limit
$20,000 monthly deposit limit
Three items per day, 10 deposits per month
Increased Business Account Limits:
$20,000 daily deposit limit
$50,000 monthly deposit limit
Five items per day, 100 deposits per month
Mobile Deposit allows you to take pictures of the front and back (endorsed) of a check payable to you, and make a deposit to your account from your smartphone. You can save time and money by making deposits more quickly, and getting quicker access to your funds. Mobile Deposit is available for both personal and business members.
With Mobile Deposit, you'll enjoy:
- Convenient, no-hassle banking
- More time for your life
- Quicker access to funds
- Safe handling of checks
- Peace of mind
Download the Members Choice Mobile Banking App
Download the app (MCCU Houston TX) to your smartphone and login to access your accounts. Whether logging in via the new Online or Mobile platform for the first time, you will be prompted to create security questions.
In the Apple App Store, there is also a version of the app available for Apple Watch so that you can quickly check available balances anytime.
FAQs about Mobile Deposits
Is mobile deposit available for personal and business account holders?
In general, mobile deposit is available for personal and business account holders, who:
- Are in good standing
- Consumers must have an active account that has been open at least 30 days.
- Business accounts must have an active account that has been open at least 60 days.
- Have an active Online Banking username and password.
How do I sign up for mobile deposit?
Mobile Deposit is a free service and included in your MCCU mobile app. Simply download the mobile app for Members Choice Credit Union. It’s available for all iOS and Android devices.
Is depositing my check with a mobile device safe?
Yes. The link between your mobile device and our Mobile Deposit site uses SSL and 256-bit encryption technology, the industry standard, to ensure your deposits are transmitted safely and securely. Your scanned check is secure and protected through this link.
When will my deposit be processed?
Members Choice Credit Union’s funds availability policy applies to mobile deposits. $100 of the deposit is immediately available with the remaining amount on hold for up to three days. If a deposit is made after 2:00 CST, the deposit will be processed the next business day (Saturday, Sunday and holidays are excluded). If there are issues with the quality of image, the amount, payees, endorsements, etc. we may notify you that your deposit is reversed pending submission of a new deposit.
What are the limits for Mobile Deposit?
To help with social distancing measures for COVID-19 and reduce your need visit a branch for deposits, we have changed our Mobile Deposit Limits:
Personal Accounts
- $2,000 daily deposit limit $10,000 daily deposit limit
- $5,000 monthly deposit limit $20,000 monthly deposit limit
- Three items per day
- 10 deposits per month
Business Accounts
- $5,000 daily deposit limit $20,000 daily deposit limit
- $20,000 monthly deposit limit $50,000 monthly deposit limit
- Five items per day
- 100 deposits per month
Disclosures
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.