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Mobile Deposit
Mobile Deposit allows you to photograph check(s) and electronically deposit them into your Savings or Checking Account.
 
You will be able to deposit up to $1,000 per day with the first $200 as instant credit.  The remaining funds will be held for two (2) business days.
 
What can Mobile Deposit do for you?
  • Qualified members can now deposit check(s) from the comfort of your home or wherever you may be with your SmartPhone. 
  • You will be able to view a history of uploaded deposits.
Requirements:
  • SmartPhone - camera & Internet access, iPhone or Android PEFCU Mobile Banking App.
  • PEFCU Savings and/or Checking Account with Webb-It 24, Home Banking Access. 
Instructions:
  • Endorse the back of your check with your signature, PEFCU Checking Account Number, the words "via Mobile Deposits", and the date of the Mobile Deposit.
  • Take a picture of both the front and the back of the check.
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.
 
Unacceptable Items
 
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.
 

 
 
EHL
NCUA

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. For more information on the NCUA, please visit their website at www.ncua.gov.