Mobile Deposits FAQ

Mobile Deposits is a free service that allows you to submit check deposits to us using your mobile device.

 

How do I use Mobile Deposits?

Is Mobile Deposits safe?

What Quorum accounts can I deposit into?

What types of checks do you accept?

What types of checks are not accepted?

Do I need to endorse my check any differently for a mobile deposit?

When will my deposit be posted to my account?

What should I do with my check after I complete my deposit?

Are there restrictions on the amount of money that can be deposited?

I made a deposit but don’t see it in my history. What should I do?

Why might a check be rejected?

 

 

 

 

 

How do I use Mobile Deposits?
Follow these simple steps:

  1. Download the Quorum mobile banking app for iOS or Android.
  2. Select Deposit from the main menu, then Deposit a check.
  3. Select the account to deposit funds into and enter the amount of your check.
  4. Take a picture of the front and back of your endorsed check.
  5. Click Deposit Check to submit for processing.

Back to top

 

Is Mobile Deposits safe?
Mobile Deposits offers the same level of security that you have with online banking. For added protection, check images are stored securely with us, and not on your mobile device.
We protect your online identity through secure access to our mobile banking app. Deposit limits, check holds, and other security measures are also in place to prevent fraud from occurring on your accounts.

Back to top

 

What Quorum accounts can I deposit into?
The following accounts are eligible:

  • Checking
  • Savings & Money Management

Back to top

 

What types of checks do you accept?
Generally, the same types of checks that you deposit in the mail, at an ATM, or at a service center:

  • Personal checks
  • Cashier's or bank checks
  • Certified checks
  • Federal Reserve checks
  • U.S. Treasury checks
  • Business checks
  • Money orders

Back to top

 

What type of checks are not accepted?
Quorum will not accept the following check types (they will be rejected and you will be alerted via a secure message in online banking):

  • Checks in amounts over $100,000
  • Altered checks
  • Checks in a foreign currency or drawn on a foreign bank
  • Post-dated checks
  • Stale-dated checks (generally, checks dated more than 180 days prior to receipt)
  • Unsigned checks
  • Traveler's checks

Back to top

 

Do I need to endorse my check any differently for a mobile deposit?
For added security, in addition to your signature, it is recommended that you endorse all mobile deposits, “For Mobile Deposit Only.”

Back to top

 

When will my deposit be posted to my account?
Once a deposit is received, it is pending approval. If approved, funds will generally be available by 4:00 p.m. ET on the next business day. Check deposits are not processed on Saturdays, Sundays, or Quorum holidays.
You will have access to up to $2,500 once your check has posted. The remaining funds will be available according to our regular funds availability policy.

Back to top

 

What should I do with my check after I complete my deposit?
Save the check(s) until you have confirmed that the deposit has been successfully credited to your account. Thereafter, we recommend you store your checks securely for a period of 60 days since we can ask for a copy of any check at any time for verification. After that time, you may destroy the check.

Back to top

 

Are there restrictions on the amount of money that can be deposited?
Yes. Deposits are limited to $2,500 per day, per member, per check. Additionally, there is a limit of five checks per day. Additional restrictions may apply depending on your situation.

Back to top

 

I made a deposit but don’t see it in my history. What should I do?
Log in to online banking and click on the applicable account to view the history. Deposits listed with a status of Pending are under review. If your check was rejected, you will receive a secure message in online banking indicating the reason.

Back to top

 

Why might a check be rejected?
These are some examples of why a check might not be accepted:

  • Unable to read check/image is too blurry
  • Missing endorsement
  • Duplicate check (already submitted for deposit)
  • Submitting only the front image of the check
  • Deposit amount exceeds daily limit

You will be sent a secure message in online banking if your deposit is rejected, along with instructions on what action you need to take.

Back to top