Town of Hempstead Employees Federal Credit Union

Mobile Remote Deposit FAQ

How does mobile deposit work?

Just sign on to the TOHEFCU Mobile App, select deposits, and follow the prompts. You will have to enter the amount and take a picture of the front and back of your endorsed check. The app will let you know if there is a problem.

Do I need to endorse the check in a specific way?

Yes. The words “For Mobile Deposit”, your signature, and your member number need to appear on the back of the check. The words For Mobile Deposit ensure that the check is not accidentally re-deposited at the branch. Checks without the proper endorsement will be rejected upon review.

Is there a fee for Mobile Deposit?

Mobile Deposit is FREE. Your mobile service provider may charge you for data plan usage.

Can anyone use Mobile Deposit?

There are a few requirements for Mobile Deposit. You must have a checking account in good standing and have access to either our iOS or Android apps.

Can I make deposits using the iPad app?

Yes, Mobile Deposit is available on the iPad app.

When will I receive credit for my deposited check?

Mobile Deposit processing is handled every business day, Monday – Friday. Any check deposited before 2:00 pm (EST) will be deposited the same business day. Any check deposited after 2:00 pm (EST), or on weekends or holidays, will be credited the next business day.

Will my check be held?

All deposits are subject to review and a hold may be placed on the check. You will receive a notification via email of any hold.

How long do I need to keep the paper check?

Each mobile deposit user agrees to keep the physical check for 62 calendar days after the deposit. After 62 days you may mark the check VOID to save the check or destroy it via a secure method such as cross-cut shredding.

How many checks can I deposit using Mobile Deposit?

Per check limit – $5,000
Daily deposit limit – $10,000
Rolling 30 day limit – $40,000
These deposit limits can be changed at the discretion of TOHEFCU without notice.

Is Mobile Deposit safe?

Yes. The link between your mobile device and TOHEFCU is encrypted to industry standards using multiple layers of security.

How will I know when my check has been deposited?

The easiest way to verify your deposit is to check your membership online to see the deposit credited to your account.

Are there any types of checks that cannot be deposited?

The following items cannot be submitted for deposit with Mobile Deposit:
Checks payable to CASH
Checks payable to any person or entity other than you (i.e., payable to another party then endorsed by you)
Checks are payable to you and another party who is not a joint owner of the account.
Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
Checks which are stale dated
Checks drawn on the same account in which you are depositing
Checks drawn on foreign banks or foreign financial institutions
Checks drawn on US Banks or US financial institutions payable in foreign currency
Any item that is stamped with a non-negotiable watermark

Are there any tips for taking a good picture?

Here are some helpful tips to take an accurate picture:
Good lighting
Dark background
Only the check should be visible on the screen
Focus is important. Keep a steady hand.

What do I do if my check is rejected in Mobile Deposit?

You will receive an email alert with the reason for rejection.
Please verify the following:
Your check photos are clear and legible.
Your check is positioned against a dark background
The MICR line is visible
The check number, payee, endorsement, numeric amount, written amount, and MICR line are all readable
You have a strong data signal or are connected to WIFI.

If the check continues to be rejected please bring it into the branch or mail it to us for deposit.

Can I deposit it directly into my savings account?

Checks can only be deposited via Mobile Deposit into a checking account. You cannot deposit directly into your savings, money market, or any other type of account. You can easily transfer the funds into another account once they are available.