How do I make a Mobile Deposit?

  1. Make sure your check is properly endorsed; the words “For Mobile Deposit at 121FCU” must be written under your signature.
  2. Open the 121 Financial mobile banking application and log into your account.
  3. Click the Menu button, then click the down arrow next to Services on the menu.  Next, click on Deposit Check.
  4. Follow the prompts to select the account to receive the deposit and the amount.  Then click on the Capture Image button.
  5. When taking a picture of your check, use the following guidelines to ensure you have a clear and readable image:
    • Place the check on a flat surface with a dark background.  The image should line up within the image box on your screen.
    • Take the picture in a well light area and avoid casting shadows on the image.
    • Hold the camera still to avoid any blurriness.
  6. Click Submit Deposit once completed.
  7. Keep a copy of your paper check for 14 calendar days once your deposit has been accepted.

Please note that Mobile Deposits may be immediately accepted but could be rejected upon further review.  Rejected deposits could be related to improper endorsement, poor image quality or unacceptable items.  Unacceptable items include but are not limited to checks payable to any person other than you (third party checks), fraudulent or altered checks, a check that is drawn on an institution outside of the United States or a check dated more than 6 months prior to the date of deposit.

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