Frequently Asked Questions

Mobile Deposit Capture FAQs

Mobile Deposit Capture allows you to make deposits remotely using either a mobile (iOS (Apple)/Android) device or a desktop scanner. Just login to Online Banking, click on Remote Deposit and scan paper checks for deposit to your PAHO/WHO FCU account.

By signing into Online Banking with your username and password, you are entering into a secure and encrypted site. Mobile Deposit Capture is located within Online Banking thus making it secure.

This service gives you the flexibility to manage your deposits on your own time. You can make deposits without having to leave your home.

Yes. As long as you are a PAHO/WHO FCU member and an Online Banking user you may use Mobile Deposit Capture.

No, there is no cost to using Mobile Deposit Capture.

You can scan unlimited checks per month.

When using the mobile deposit service, please write the following information on the back of the check:

1- Signature

2- Account number

3- Date of the deposit

Once you have completed the steps above, make sure that you keep the physical check for 90 days.

Some deposits may require administrative review that may delay the processing. Funds availability rules will apply based on the type of check and check amount. If a deposit is immediately accepted, the first $200 is available immediately.

After you scan check images using Mobile Deposit Capture, the endorsed deposited items must be safeguarded for a minimum of 90 calendar days from the date of transmission. After 90 days they must be destroyed or otherwise rendered incapable of transmission or presentment.

No. Checks can be deposited into Savings or Checking accounts and then transferred to appropriate loan accounts using Online Banking.

No. Only checks paid to your name or your joint owners may be deposited to your account.

Once a deposit has been made, you will receive an email from the credit union with a confirmation of acceptance. If your deposit is delayed for any specific reason, you will be notified accordingly.