Mobile Deposit is a FREE service that allows you to deposit a check to your account using a mobile
device. It’s a secure, fast, and convenient method to complete a transaction anytime, anywhere.
With mobile deposit, you may deposit original checks, cashier’s checks, official checks, U.S. Treasury
checks, or any other payment instruments, drawn on a financial institution within the United States and
payable in U.S. currency that is payable to you.
All Dominion Energy Credit Union savings accounts (including Basic Savings, Christmas Club, Wealth Builder, and
Wealth Maximizer accounts) and checking accounts are eligible for Mobile Deposit.
To launch Mobile Banking for the first time:
“For Mobile Deposit Only”
Member’s Signature (your endorsement)
To learn how to make a mobile deposit, click here.
Make sure to wait for confirmation that your transaction is complete. Please note that the amount will not immediately appear in your account activity. You may check the status of your deposit by phone or by Online or Mobile Banking. You will receive an email if the deposit is declined after it has been accepted by Mobile Banking.
You can only deposit 1 check at a time. You can deposit up to 5 checks a day or 20 checks a month.
$2,500 is the most you can deposit per check through mobile deposit. You can deposit up to $2,500 per
A confirmation page will appear on your phone letting you know that your check deposited successfully. Standard check holds will apply. You can view the deposit in your transaction history.
Your account will be credited by 5:00 p.m. Eastern Time on the current business day if the deposit is
made by 3:00 p.m. Eastern Time. If the deposit is made after 3:00 p.m. Eastern Time, your account will
be credited on the next business day by 5:00 p.m. Eastern Time. (Business days are Monday through
Friday, except holidays.)
Mobile deposit is a FREE service! Online Banking and Mobile Banking, which are required for Mobile
Deposit, are also FREE!
Please note, however, that standard checking holds and fees will apply. For example, overdraft fees
when a transaction is made with nonsufficient funds apply. For a full description of checking fees, please
see the Membership Agreement and Disclosures. Please see the Mobile Deposit Terms and Conditions
for a full list of restrictions on mobile deposit.
Check your account statement to make sure the deposit has been credited to your account. Keep your
check in a secure location for 14 days from the date you made the deposit. Then shred or destroy the
You must notify the Credit Union of any suspected errors regarding checks deposited through Mobile
Deposit within 60 days after the Credit Union account statement is sent to you with the error. As with all
account errors, we will not make changes to your statement more than 60 days after it is sent to you.
Yes! Our mobile site has the same security features as Online Banking. Just like Online Banking, Mobile
Banking and Mobile Deposit take advantage of the powerful technology available through a digital
certificate from Verisign, Inc., protecting the security of the site with Secure Socket Layer (SSL) 128-bit
encryption. In addition to the encryption technology, we have installed multiple firewalls to protect your
accounts from unauthorized access from outside the Credit Union.
For security purposes and to ensure the funds for large deposits. These are the same holds that we place on deposits in the branch.
The first $225 of any mobile deposit will be available the same business day, unless the deposit was held for the reasons above. The next $5,300 will be available the second business day. Any funds exceeding the $5,525 ($225 + $5,300) will be available five business days after the deposit.
For example, and assuming no federal holidays, you deposit $700 on Monday. $225 will be available later on Monday. The remaining $475 will be available on Wednesday.
This is due to a technical limitation in our digital banking system. We apologize for the ambiguity.
Releasing holds is determined on a case by case basis. Please contact the credit union if you would like a hold released.