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.
How do I get/sign up for Texas Trust’s Mobile Deposit?
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.
What is a qualified member?
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.
Is Mobile Deposit available for businesses?
Business accounts are not eligible for Mobile Deposit at this time.
Can I deposit checks into my Texas Trust savings account?
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.
Is Mobile Deposit safe and secure?
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.
Are electronic versions of checks legal?
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.
Are there any fees associated with Texas Trust's Mobile Deposit?
There is no fee for using Texas Trust’s Mobile Deposit.
How is depositing a check electronically different from depositing it in my branch?
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.
Can I deposit checks written on non-US banks?
Foreign checks may not be recognized by the Mobile Deposit software and may have to be brought to a branch for traditional check deposit.
Do I still need to endorse my checks for Mobile 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.
How do I know that the image quality of the picture I take is good enough?
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.
Why am I unable to deposit my 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.
How will I know when a check submitted through Mobile Deposit is posted to my account?
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.
How many checks can I deposit with Mobile Deposit? Is there a daily/weekly/monthly limit?
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.
Is there a maximum dollar amount I can deposit using Mobile Deposit?
Mobile Deposit can accept checks totalling up to $10,000 per day.
What do I do with my check once I have deposited it using Mobile Deposit?
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.
What do I do if my check is rejected?
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.
Are check photos stored anywhere on my Mobile Device?
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.
Can I deposit Money Orders through Mobile Deposit?
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.