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Mobile Deposit FAQ

Mobile Deposit FAQ

Mobile Deposit is a feature of the Texas Trust Mobile Application for Android and Apple devices that allows a qualified Texas Trust member to deposit a check with their compatible device.
Mobile Deposit is located inside the Texas Trust Mobile Application, and will be functional for all qualified members after they download and access the Mobile App.
To be considered a qualified member for purposes of accessing Mobile Deposit, a member must have:
  1. A valid Texas Trust checking account in good standing
  2. Signed into Online Banking at least once
  3. A compatible Apple or Android device.

Mobile Deposit is not available to minors or International membership accounts.

Yes, although you must have a qualified Texas Trust checking account to access Mobile Deposit. Once you have set up that feature, you may deposit checks into any of your checking or savings accounts.
Mobile Deposit is completely secure. All communications between the mobile device and Texas Trust are 100% encrypted. Additionally, no sensitive deposit information is stored on the device, but is entirely stored on Texas Trust’s secure server.
There is no fee for using Texas Trust’s Mobile Deposit at this time.
From the standpoint of access to your funds, there is no difference. It is a more convenient way to deposit your check without having to worry about teller lines or credit union hours.
Endorsement under your signature must be as follows: “For TXTCU Mobile Deposit Only” and your account number. Items without proper endorsement risk being rejected.
The Mobile Deposit feature will tell you if the quality of picture you take isn’t good enough for the system to read. To ensure that this doesn’t happen, we recommend that you try to stay as steady as possible, keep all 4 corners of the check visible and use a background of contrasting color to the check.
When you make a successful Mobile Deposit transaction, you’ll get an instant response from your application, confirming that your check was accepted. Plus, you will also receive an email notification indicating that Texas Trust Credit Union received your deposit.
Available funds are based on your deposit limits. The first $200 of your total daily deposits is usually available right away. The rest of your deposit amount should be available within the next 3 business days.

However, even after we have made funds available, you are still responsible for checks errors and deposit that are returned to us unpaid or deemed uncollectable.
With mobile deposit, there is no limit to the number of checks you can deposit, up to $10,000 in deposits per day. As well, there is a rolling 30 day limit of $20,000. Some deposits may go into a review process, but if that occurs, you are guaranteed a review and decision within 1 business day.
Mobile Deposit can accept checks totaling up to $10,000 per day.
We recommended that you mark the check to ensure that no one inadvertently attempts to deposit it again, and retain it for your records for a minimum of 30 days. After 30 days, we recommended that you destroy the check to protect your financial information.
If your check is rejected, you will be able to see why in the “History” button within the Mobile Deposit feature. There could be instances where a check cannot be accepted through Mobile Deposit. If this occurs, you are always able to bring the check to a Texas Trust branch for additional review/discussion.
No check images or sensitive deposit information is stored locally on your device. It is accessible on your device through our secure servers, accessed through an encrypted connection.
  • Third Party Checks - checks made payable to someone other than the account owner.
  • Any check previously converted to a “substitute check”, as defined in Regulation CC.
  • IRDs ( Image Replacement Document) – item that has been returned for any reason; Examples; Insufficient Funds, Refer to Maker, Stop Payment, etc.
  • Foreign Checks – checks drawn on Non-US Banks and currency.
  • Checks drawn on the same account in which it is being deposited into.
  • Checks dated more than 6 months prior to date of deposit.
  • Checks dated with a future date.
  • Savings Bonds.
There could be several reasons that Mobile Deposit is unable to accept your check. If your check is not accepted, we recommend that you visit one of our branches or contact Texas Trust at (972) 263-5171.
If the amount you enter is different from the one on the check, we'll adjust the amount and let you know of any changes by email within 1 business day. You can also see the corrected amount in your mobile deposit history.

If you accidently deposit your check to the wrong share, just wait until your deposit becomes available. You can then transfer the money into the share you want.

There are various reasons why we might need you to submit your deposit again. Here are a few examples:

  • We can’t read the check.
  • The corners of the check are cut off.
  • The image is too light or too dark.
  • Information on the check is unclear.
  • The check is missing proper endorsement.
  • The numerical value and written amount do not match.

You can do the following to make sure your check image is accepted:

  • On the back of the check:
    • Include your signature.
    • Write "For TXTCU Mobile Deposit Only"
  • Hold phone flat above check and make sure the check is in focus.
  • Flatten the check to get rid of wrinkles.
  • Place it on a dark, non-reflective background in a well-lit area.
  • Ensure the image isn’t too small.
The credit union has the option of placing case-by-case holds. New Accounts will have holds placed in accordance with our Funds Availability Policy.
Sometimes, we might place an extended hold on your deposited funds.
Deposit holds can be viewed in transaction history on your mobile app.
You cannot deposit a check that shares the same Account # and Check # that was previously deposited through your mobile services.
Deposit limits vary and are based on multiple factors, including deposit history and relationship with us. Your daily and weekly limits will fluctuate based on your deposit history. If you’ve opened an account within the last 30 days, your deposit limits could be as a low as $200.
There are other ways to deposit your check if your check amount is higher than your mobile deposit limit.

Visit a branch or mail it.

Mail to:

Texas Trust CU
P.O.Box 2260
Mansfield, Tx 76063
The first $200 of your total daily deposits is usually available right away. The rest of your deposit amount should be available within the next 3 business days.

However, even after we have made funds available, you are still responsible for checks you deposit that are returned to us unpaid or deemed uncollectable.
Deposits are declined for a number of reasons. You should receive an email explaining why your deposit was declined.

Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Dallas, Desoto, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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