Frequently Asked Questions

Mobile Deposit is a free service that allows you to use your smart phone or tablet to deposit a check conveniently into your 121 Financial account.  To take advantage of this feature, you will need a 121 Financial account, be enrolled in online banking and have our mobile banking application.

Is my account eligible for Mobile Deposit?

Yes, provided your account meets the following conditions; your account is not frozen for any reason, you have not mishandled your account and/or services or you have not defaulted on any agreement(s) with 121 Financial.  Agreements include but are not limited to an account agreement, a loan agreement or a Privilege Pay repayment plan.

Getting started with 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.

Are there deposit limitations on Mobile Deposit?

Yes, there is a daily limit of $10,000 per day of acceptable items.  If your deposit exceeds this limit, you may visit your nearest branch to conduct your deposit.

When can Mobile Deposits be submitted?

Deposits can be submitted 24 hours a day, 7 days a week.

When will my account be credited for my Mobile Deposit?

Each business day, Mobile Deposits are posted after 3pm EST.  Business days are Monday through Friday, excluding holidays.  Deposits using this service are not subject to the funds availability of Federal Reserve Board Regulation CC.  Generally, the first $225 of your deposit will be available after your deposit is posted unless your account is open less than 30 days.

Where can I view my Mobile Deposit history?

Once logged into the mobile application, click the Menu button then click the down arrow next to Services on the menu.  Next, click on Online History/Activity Center.  Click Deposited Checks on the top menu.  Enter your search criteria and click Apply to retrieve your deposit history.

Who can I call with more questions about Mobile Deposit?

For further assistance, please call Member Services at 904-723-6300, option 8 and our representatives will gladly assist you.