After making your mobile deposit, we recommend you keep the original check for 10 days in the event the paying bank is unable to process your check image. If the paying bank is unable to process the image you will be contacted by a PEFCU associate and given further instructions.
E-Deposits of the nature described below will result in the immediate reversal of the deposited amounts of the items from your PEFCU Checking Account and may result in the suspension of this service.
Altered Check – is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Members with altered checks MUST get a replacement check from the maker.
Foreign Check – is any check that is issued to you by a financial institution in another country (Canada, France, Mexico, etc.). Foreign checks may ONLY be deposited at the branch or by mail (Bank-by-Mail).
Incomplete Item – is any item that does not contain signatures of the maker or endorsement signatures.
Inconsistent Dollar Amounts – checks with inconsistent numerical and written dollar amounts.
Non-Negotiable Items – the online deposit of any item stamped with a “non-negotiable” watermark is PROHIBITED. Online deposits of this nature will result in the immediate revocation of Mobile Deposit.
Post-Dated Check – is a check showing a future date.
Savings Bonds – PEFCU does not redeem Savings Bonds. Online deposits of this nature will be immediately reversed from your PEFCU Account.
Stale-Dated Checks – certain checks contain instructions such as: “Void 90 days after issue date” or “Must be cashed within six months of issue date.” Members with stale-dated checks MUST get a replacement check from the maker before PEFCU will accept the deposit. Online deposits of this nature will be immediately reversed from your PEFCU Account.