Essential federal credit union mobile deposit funds availability

We know you’re busy. Now you can save time and a trip to the branch by remotely depositing checks from the comfort of your home using your iPhone or Android device.*

It's as easy as:

1. Log into your EFCU Financial Mobile Banking app*
2. Select "Deposit" and enter check information
3. Snap a photo of the front and back of the check
4. Confirm your deposit

Be sure to endorse checks properly!

1. Signature
2. "For Mobile Deposit Only"
3. Account Number

Other Tips:

• Make sure all 4 corners of the check show in your photo
• Keep the background as plain and simple as possible
• Checks made payable to cash will not be accepted
• Checks for mobile deposit cannot exceed $3,000 per check

Or check out this tutorial:

Check out our Mobile Deposit FAQs for full informationDeposit Schedule

Note: You can verify that your check has been reviewed and accepted for deposit by clicking "Deposit Check History" under the Deposits menu in the Mobile App.

**If Monday is a holiday, the funds will be available the next business day. Click here for EFCU Financial's holiday schedule.

*Mobile Deposit is functional on iPhone and Android apps only. Your wireless carrier may assess you fees for data or text messaging services. Please consult your wireless plan or provider for details. Available for some accounts only. Deposit limits may apply. Full disclosures here.

Featured Offers

Holiday Loan

Whether your holiday to shine is Halloween, Thanksgiving or Christmas we can help with a Holiday Loan!

• Fixed rates as low as 9.50% APR*
• Finance up to $10,000
• 90 day no pay*
• Up to 12 month terms

Share Certificates

Earn guaranteed fixed rates with our Certificates. Choose the term and deposit amount that works best for you and start getting a high return on your money! 

• Open Certificate with as little as $500
• 3 month to 5 year terms
• Open and fund account online
• Quick and easy opening process

Get some reLEAF this fall with Skip-A-Pay

Skip your qualifying loan payment this fall to free up extra cash. It's a perfect option for the upcoming holidays, when you need funds the most. To apply:

• Login to Online Banking
• Click Skip-A-Payment under Documents and Form
• Review and complete the request form
• You will be notified when your request is approved

Free, easy account management on the go! 

Access your accounts on your mobile device using the login button above or use our mobile app.

• View all your Essential accounts
• Transfer funds between your Essential accounts and loans
• Use Bill Pay to add, review, schedule and delete payments and view bills
• Deposit Checks with the snap of a picture
• Transfer funds to friends and family with Zelle® using only a phone number or email address
• View your Online Statements
• Pay your Essential loan from an account you own at another financial institution
• Locate Branches or ATMs nearest you
• Quick balances, when enabled, allows you to quickly access your current balances and the last few transactions without having to login to your app!

FREE Check Deposits right from your smart phone

We know the value of time and safety. That's why mobile check deposit makes depositing checks faster and more convenient. Skip the lines and spend more time doing the things you love.

To get started:

• First, download our FREE app by the links below. 
• Secondly, login to Mobile banking.
• Next, along with your account number, write "For Mobile Deposit Only @ Essential" under your signature on the back of your check.
• Finally, select Mobile Deposits and take a picture of your check.

Are mobile deposit funds available immediately?

What time of day are mobile deposits available?

Does EFCU have mobile deposit?

Does essential credit union have Zelle?