Remote Deposit

Mobile Deposit is a free, secure, online banking service that allows eligible members of Service One Credit Union to deposit funds using their smartphone or Kindle, into their SOCU account.

In order to use Mobile Deposit, you must be a Service One Credit Union member who meets the following requirements:

• At least 16 years of age
• No history of returned deposit items
• Valid email address
• Current user of Service One's mobile app
• Must be in good standing

Yes, Service One sets limits on the amount and number of items that you can deposit via Mobile Deposit each day as well as cumulatively for the month. Please contact Service One for the currently established limits.

There is no fee to use Mobile Deposit. Please refer to the Service One Credit Union “Fee Schedule” for any associated fees that may apply.

Go into our Mobile App from your smartphone. Choose “Mobile Deposit” to start the enrollment process. Complete the enrollment form and acknowledge the End User License Agreement. The Agreement explains your responsibilities and liabilities as a Mobile Deposit user and the Credit Union responsibilities. You will receive a thank you message for enrolling and a message with a notification of your enrollment status.

All notifications will be sent to the email address you listed when you enrolled in the program. You must keep this email current. Deposit transaction statuses will be updated in the Mobile Deposit app. If you have enabled push notifications from the credit union, you will also receive these notifications on your phone.

• Foreign Items
• Savings Bonds
• Third-Party Check Items (double endorsement items)
• Checks purported to be a lottery or prize-winning
• Checks previously endorsed by Service One Credit Union
• Checks that contain evidence of alteration
• Stale-dated or Post-dated checks
• Incomplete checks (i.e. missing date, missing payee, improper endorsement, etc.)
• Items stamped "non-negotiable"
• Substitute Checks

Checks should be securely stored for a period of thirty (30) days after you receive confirmation from Mobile Deposit that your deposit has been accepted. This provides sufficient time for research in case there is an issue with the image quality or if the original item is required for any other reason. The paper check should be stored in a secure place and should be shredded after the 30-day retention period. A cross-cut or diamond shredder will assist in the complete destruction of the check information.

Generally, for deposits received before 2:30 p.m. Central Standard Time (CST) on a business day that we are open (business days do not include Saturday, Sunday, or Holidays), we will consider that day to be the day of your deposit. Deposits received after 2:30 p.m. CST will be considered received the following business day. Funds from your deposit generally will be available to you on the first business day after your deposit. However, Service One Credit Union standard Funds Availability Policy (case-by-case determination) may apply to items deposited by mobile check deposit.

You may request a copy of the negotiated item by contacting the Credit Union at the number listed below. Ask for the ESO (Electronic Services) department and be sure to tell them it was an item deposited through Mobile Deposit. Your phone may also retain a copy of the item for a time, depending on the type of phone you use.

• Take the photo against a background with a strong contrast between the check and the surrounding area
• Position the camera above the check so there is no angle
• Move any objects that show up in the picture away from the check
• Make sure the check is visible, contains all four corners, is well-lit, and is in focus
• The check must contain a readable check number, payee name, and endorsement as described below
• The check must contain a readable character (numeric) amount of the check and the legal amount of the check
• The check must be drawn on an institution located within the United States

Endorse the item as required: "For Mobile Deposit Only at Service One Credit Union, account#, your signature"

Log into the Service One Credit Union mobile banking app, mobile deposit function

• Select Make Deposit from the menu
• Select the account to receive the deposit
• Enter the amount of the check
• Take a photo of the front and back of the check and press continue
• The next screen will show Deposit Submitted!
• You will receive a confirmation via email that the check is being processed
• You can review your pending, approved, and rejected deposits under the review tab on the main menu
• Securely store your check for 30 days

For errors or questions about your deposits, call the credit union at (270) 796-8500 (ask to speak with someone in ESO about your mobile deposit) Monday through Friday (excluding holidays) during business hours or write to the credit union at PO Box 51770, Bowling Green, KY 42102, Attn: ESO. You must contact the credit union by either method described above no later than sixty (60) days after the credit union has sent the first statement on which the error or problem occurred (as stated in the short-version error-resolution notice provided on each member statement).