Mobile Check Deposit

Mobile Banking

Skip the trip to the credit union

Deposit checks directly into your Ideal Credit Union account without making an extra trip to the credit union. Simply snap a photo of your check using the Ideal Mobile Banking app and securely submit it to the credit union for approval. Once you see the deposit go into your account, shred the check and you're finished. It's that easy!

Deposit up to $7,500 per week (contact us to increase limit)
No trip to the credit union necessary
Funds available as early as that same day*
Review deposit history within Online & Mobile Banking

Getting Started
Depositing a Check

Getting Started

Be a current Ideal Digital Banking user. Enroll online or with the mobile app.
An eligible Ideal Checking, Savings, or Business account.
A supported mobile device - this includes Android and Apple tablets & smartphones.
The Ideal Digital Banking app. Download now.
Don't have the app? Find it on the Google Play store for Android devices or on the iTunes store for iPhone & iPad devices.

Depositing a Check

Deposit Your Check

Log in to the Ideal Digital Banking App.
Select More from the bottom menu.
Select Check Deposit.
Follow the on-screen instructions.

Endorse the check properly for mobile deposit

On the front of the check

Write "mcd" to the left of the date line and circle it.

On the back of the check

Write "for mcd only Ideal CU" above your endorsement line and circle it.
Endorse the check with your signature on the endorsement line.

Any checks submitted that do not meet these requirements may be rejected. Funds are typically available in 1-2 business days. Check deposits may be subject to further hold according to our Funds Availability Policy. You will be notified via the email address you provided in Online Banking if longer holds will apply.

Have Questions?

You can find answers to your questions in the Mobile Check Deposit FAQ. If you still have questions after reading the FAQ, you can call us at 651-770-7000 and a member representative will assist you.

Mobile Check Deposit