Please rest assured your credit union is stable and financially sound. We are well-capitalized with ample liquidity. Your money is safe, and deposits are federally insured to at least $250,000 by NCUA. Additional coverage options are available. Please call 800-268-6928 for assistance. Learn more.

Mobile Deposit

What is Mobile Deposit?

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.

What can I deposit with Mobile Deposit?

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.

Which accounts accept Mobile Deposit?

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.

How do I use mobile deposit?

To launch Mobile Banking for the first time:

  1. Enroll in Online Banking using the purple box in the top left of this website.
  2. In Online Banking, click “Settings,” and then “Mobile Deposit Enrollment” and follow the prompts to enroll.
  3. Download the Dominion Energy Credit Union app from Google Play or the Apple App Store. (Search “Dominion Energy Credit Union” in your app store.)
  4. Open the Dominion Energy Credit Union app on your mobile device.
  5. Log in using your Online Banking username and password
  6. Click on “Mobile Deposit” on the menu and follow the prompts to deposit your check.
  7. Please note: Before taking the photo, endorse the back of the check and be sure to include that it is a Mobile Deposit:

                                                       “For Mobile Deposit Only”
                                                             Account Number
                                             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.

How many checks can I deposit through mobile deposit?

You can only deposit 1 check at a time. You can deposit up to 5 checks a day or 20 checks a month.

How much money can I deposit with mobile deposit?

$2,500 is the most you can deposit per check through mobile deposit. You can deposit up to $2,500 per

How do I know if my mobile deposit has been completed?

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.

When will money deposited with mobile deposit be available?

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.)

Why am I unable to deposit my check?

  • Is your check legible? Check images should not be too dark, reflective, or blurry. Each check
    image must include the front and back of the check. The following information must be clearly
    readable: amount, payee name, drawer signature, date, check number, account number,
    routing and transit number, MICR (Magnetic Ink Character Recognition) line, and any
    endorsement or other information written on the check.
  • Are you using an approved device? Your device may not be approved for mobile capture. At
    present, the supported Mobile Devices are iPhones, iPads, and phones and tablets using Android
    OS and that allow the Dominion Energy Credit Union app to be added.
  • Does the check amount match the amount you entered? Make sure you have not made an error
    in entering the dollar amount of your check.
  • Did you already submit your check? A check cannot be submitted twice.
  • Are all four corners of the check visible? Mobile capture may not allow folded, torn, or cropped
    check corners.
  • Did you endorse your check? You must sign the back of the check.

What are the fees and restrictions for mobile deposit?

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.

What do I do with my check after I use 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

What happens if I see an error with my mobile deposit?

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.

Is Mobile Deposit safe and secure?

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.

Why are there holds on mobile deposits?

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.

Why do some transactions show as pending transactions and not deposits?

This is due to a technical limitation in our digital banking system. We apologize for the ambiguity.

Can the credit union get a hold on a deposit released?

Releasing holds is determined on a case by case basis. Please contact the credit union if you would like a hold released.