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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 1) have a valid Texas Trust checking account in good standing, 2) must have signed into Online Banking at least once, and 3) must have a compatible Apple or Android device. Mobile Deposit is not available to minors.
Business accounts are not eligible for Mobile Deposit at this time.
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.
Yes, creating and depositing an electronic version of a check is completely legal. In fact, many businesses use the same method at the checkout counter. If you’ve ever had a business hand back your check after they scan it through the register, they were using their own electronic check deposit system.
There is no fee for using Texas Trust’s Mobile Deposit.
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.
Foreign checks may not be recognized by the Mobile Deposit software and may have to be brought to a branch for traditional check deposit.
Yes. It is important to ensure you endorse any checks prior to depositing them. It is also acceptable to write “For Deposit Only” in lieu of using your signature.
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.
There could be several reasons that Mobile Deposit is unable to accept your check. If your check is not accepted, we recommend that you contact Texas Trust at (972) 263-5171.
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’ll see the funds appear in your account in real time.
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 totalling 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 14 days. After 14 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. If a check is rejected in Check Review, it will not be able to be re-deposited via Mobile Deposit.
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.
Postal and Money Gram Money Orders may not be read by this feature. The program looks for a certain “layout” to verify that the item is a check, therefore because the “layout” of the money order is different than that of a check, the member may just receive an “internal error” message.
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