Mobile Check Deposit

Skip the drive to the branch lobby or the drive-thru lane. With the official ATFCU mobile app on your smartphone, you can securely deposit checks whenever and wherever it is most convenient for your schedule.

Thanks to our multi-check deposit features, you can process multiple checks during a single session without having to log out and start over.

While the mobile dashboard has a lot of moving parts, the actual process is incredibly straightforward. Grab your paper checks, open up your smartphone screen, and let’s walk through the steps together.

Phase 1: First-Time Setup

If you have never used the Remote Check Deposit (RDC) feature before, you just need to complete a quick, one-time initialization inside the app layout:

1. Log into your ATFCU Mobile App.
2. Tap on the Check Deposit icon located on the lower navigation bar.
3. Review and accept the standard user Terms and Conditions.

Once that is completed, your profile is unlocked and you are ready to process your deposits using our master sequence below!

Phase 2: The Mobile Deposit Sequence

1. Log into the app and tap the Check Deposit icon at the bottom of your screen. Tap the account drop-down menu and select the specific checking or savings share layout where you want the funds to land.
2. Flip your paper check over. Sign your legal name on the endorsement line, and then neatly print ‘ATFCU MOBILE DEPOSIT’ directly beneath your signature. If this exact text string is missing, our automated clearinghouse system may reject the image for processing.
3. Place your paper check flat on a dark, uncluttered, well-lit surface. Follow the in-app camera prompts to align the edges of the check entirely within the dotted guidelines displayed on your phone screen. Tap to snap the front photo, then flip the check to capture the back endorsement.
4. Once the app confirms the image resolution is clear, manually type in the exact dollar amount printed on the face of the check.
5. Have more than one check to process? Tap the ‘ADD CHECK’ button on the ledger screen and repeat steps 2 through 4 for your next item. Continue this process until your entire bundle is securely logged into the session.
6. Tap the master ‘SUBMIT’ button to route your deposit to our review queue. Crucial Rule: Do not throw your physical check away, and do not write ‘VOID’ on it yet. Place the paper check securely in a drawer for safe keeping.

Phase 3: The Processing Timelines

Within a short window after tapping submit, you will receive an official automated email stating the exact condition of your mobile deposit. Please keep your physical check until you receive that confirmation email stating it has been officially accepted.

To help you track your household cash flow entries, use this simple schedule to see exactly when your mobile funds will clear into your available balance layout:

We Are Here to Coach You Through It!

These mobile banking steps always sound a little more complicated in print than they actually are in real life. Once you run through a single session, you will get the hang of it in no time!

If you would like some direct, real-time coaching to walk through your first deposit, or if you have any questions about our mobile features, please don’t hesitate to give our local eServices Department a call at 325-677-2274 or 800-677-6770 during regular business hours. We are right here to simplify your tracking, secure your balances, and keep your financial path moving smoothly ahead!