Mobile Check Deposit FAQ
What is Mobile Check Deposit (MCD)?MCD is a free service that allows you to deposit checks into your eligible Ideal CU deposit account(s) electronically using the camera on your iPhone, iPad, or Android device.
Making a mobile check deposit
How do I endorse a check submitted using MCD?Checks must be properly endorsed by all payees, noting “MCD” on the front of the check and "For MCD Only" below the endorsement(s) on the back of the check (see example below).
NOTE: Checks made payable to multiple payees!
Checks made payable to multiple payees will only be accepted if all payees are joint on the eligible deposit account. If the check is payable to both you and a joint owner, either party can endorse.
After making a Mobile Check Deposit
Will my check deposit be available immediately for use?Deposited funds will typically be available by the following times:
- Deposits made before 3:30 p.m. (CST) Mon - Fri will be posted to your account by 6:00 p.m. that same day.
- Deposits made after 3:30 p.m. (CST) Mon- Fri will be posted to your account the next business day.
- Deposits made on weekends or holidays will be posted to your account the next business day.