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• How To Use Mobile Deposit

  • Before logging into the Unicom Savings Bank App, close all other apps running in the background on your phone or tablet.
  • Sign/Endorse the back of your check and label it For Mobile Deposit Only.
  • Log into the Unicom Savings Bank App and select Deposits from the menu bar.
  • Select New Deposit and choose the account in which you wish to deposit your check.
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.

• Why Is My Check Image Being Rejected?

  • Flatten folded or crumpled checks before taking photos.
  • Keep the check within the view finder on the camera screen when capturing your photos. Try not to get too much of the areas surrounding the check.
  • Do not zoom into the check. Instead, move your phone closer to the check.
  • Take photos of your check in a well-lit area. Place the check on solid dark background before taking the photo of it.
  • Keep your phone or iPad flat and steady above the check when taking your photos.
  • Hold the camera as square to the check as possible to reduce corner to corner skew.
  • Make sure the entire check image is visible and in focus before submitting your deposit.
  • Ensure there are no shadows across the check, all four corners are visible, the check is not blurry and the MICR line (numbers on the bottom of your check) is readable.

• When Will My Money Be Available?

  • Mobile Deposits received prior to 2:30 pm EST are processed on the same business day.
  • Mobile Deposits received after 2:30 pm EST or on Saturdays, Sundays and holidays when Unicom Savings Bank is closed will be processed on Unicom Savings Bank' next business day.

• Why Was My Mobile Deposit Rejected?

  • Amount exceeds your Deposit Limit.
  • Amount exceeds your Daily Deposit Limit.
  • Missing “For Mobile Deposit Only” endorsement.

• What Items Are Not Eligible For Mobile Deposit?

  • Checks greater than your limit.
  • Checks drawn on banks located outside U.S.
  • Checks made payable to others not joint on the deposit account.
  • Checks made payable to a business on a personal account.
  • Remotely created checks - In the place of the account holder’s signature, a printed or typed name is shown instead of the signature of a person on whose account the check is drawn. These are commonly created by credit card companies, utility companies or telemarketers.
  • Checks requiring verification such as Loan Acceptance Checks.
  • Tax Refund Checks.
  • U.S. Treasury Checks.
  • Traveler's Cheques.
  • Money Orders.
  • Returned Checks.
  • Checks suspected to be fraudulent or otherwise not authorized by account owner.
  • Checks dated more than 6 months prior to date of deposit.
  • Postdated checks.