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Mobile Banking & Mobile Check Deposit

Key Features of Mobile Banking

  • Mobile Bill Pay. Make payments using the bill payment function of the mobile banking app.
  • Mobile Check Deposit. Eligible users may deposit checks using the mobile banking app and the camera function of your smart device. 
  • Transfers. Transfer funds between your Self-Help CU accounts (including loans).
  • Check Transaction History. View checks that have cleared your Self-Help CU accounts.
  • Basic Account Information. Monitor account transaction activity and review balances.
  • ATM Locator. Identify thousands of surcharge-free ATM locations across the U.S. 
  • Branch Locator. Pinpoint the location of Self-Help CU branches. Also locate thousands of outlets of the CO-OP Shared Branch network across the U.S. where Self-Help CU members can make deposits and withdrawals and conduct teller transactions. 

Fees and Charges

  • There is no charge to download the mobile banking app.
  • Contact your wireless provider regarding any messaging and data charges that may apply. 
  • Our Schedule of Fees lists all applicable Self-Help CU fees and charges (and how to avoid them, where applicable). 

Username and Password Requirements

For your protection, you must have a username and password to access account information and conduct account transactions via Self-Help CU mobile banking. Access to the ATM and branch locator feature does not require a username or password.

Security Protocols

No matter how you choose to access your accounts, Self-Help CU uses state-of-the-art SSL encryption technology to protect your data.


What is Mobile Check Deposit?

Mobile check deposit is one of the convenient features on Self-Help CU's mobile banking app. It allows you to use your smartphone or other smart device to deposit paper checks into a Self-Help CU account—anytime, wherever you happen to be.

How do I enroll?

New Self-Help CU mobile banking users will need to download our mobile banking app. Once you have the app, follow these steps:

  • On the apps menu screen, click on the Mobile Check Deposit panel.
  • Follow the steps to complete the enrollment process.
  • To complete the process, you must accept the End User Agreement.
  • Final enrollment approval or denial will follow.

Is there a fee?

For your reference, the Self-Help CU Schedule of Fees lists all Self-Help CU fees and charges (and how to avoid them, if applicable). To find out whether any messaging or data charges may apply, contact your wireless provider. 

What are user eligibility requirements?

To be eligible for mobile deposit you must be: 

  • An Self-Help CU member in good standing 
  • At least 18 years of age
  • Enrolled in Self-Help CU's online banking service 
  • An account holder with the credit union for at least 30 days with funds on deposit. 
  • Only personal accounts are eligible to use Self-Help CU Mobile Check Deposit. Small business accounts and nonprofit organization accounts are not eligible.

Can an enrollee terminate enrollment?

Yes. To terminate, please send written notification to Self-Help CU. Notification must include the desired termination date. Similarly, Self-Help CU may terminate an enrollee at any time with written notice.

How many checks can be submitted for deposit within a 24-hour period?

There is no limit on the number of checks that can be submitted via mobile deposit. 

Is there a limit on the dollar amount allowed on deposits?

Yes. The deposit limit will be displayed by the app. 

When will the transmission of a check image be considered an actual deposit? Which types of
mobile deposits will Self-Help CU not accept? What is the hold policy on checks deposited ?

See the Mobile Deposit User Agreement for detailed answers to these questions. 

How do I endorse a check for deposit?

Write FOR MOBILE DEPOSIT ONLY on the back of the check, along with your Self-Help CU member number.

What should I do with a check once it has been imaged successfully?

Retain the check for at least 60 calendar days from the date of the image transmission. After 60 days, destroy the check (preferably with a shredding machine) or mark it VOID.

How do I cancel a mobile deposit?

Once a mobile deposit is successfully submitted it cannot be cancelled.

Why might the amount I entered via mobile deposit differ from the credit amount shown for the account?

It may be that an internal review of the deposited item discovered that the amount entered by keypad at the time of the deposit was different from the amount written on the check.

Where can I get additional answers to questions about Self-Help CU Mobile Check Deposit?

Use the following information to contact Self-Help CU:

  • Contact a local branch of Self-Help CU
  • Call Self-Help CU Member Services: 800-966-7353