No. Certain checks are not eligible for Mobile Deposit, including checks over $5,000 and other ineligible items. Please refer to the list of ineligible items before submitting your deposit.

What is not eligible for mobile deposits?

The following are not eligible for mobile deposits:

Checks drawn on a foreign bank
Money orders
Travelers checks
Checks payable to an individual not on the account
An item drawn on your account at Trax Federal Credit Union
An item that contains evidence of alteration
A stale, expired, or post-dated item
Any item that has been re-deposited or returned, such as “non-sufficient funds” or “refer to maker”, or any other reason
Incomplete checks – an item that does not contain signature(s) of the maker, proper endorsement signature(s), and/or is missing any of the required keyed information
Third-party checks – an item issued by an individual (1st party) made payable to another person (2nd party) and then signed over to a third person (3rd party)
Checks made payable to a custodial and/or account governed by the Uniform Transfers to Minors Act
Checks made payable to a living trust or to a trustee(s) of a living trust
Checks to be deposited into a Representative Payee Account, Guardianship Account, IRA, Share Certificate, or business account

Is there a hold for mobile deposits?

Funds from mobile deposits may be subject to a hold based on the check amount, check type, account history, where the check is drawn from, and Regulation CC requirements. If a hold is necessary, it will be determined after review by a Trax representative.

How do I endorse my check for a mobile deposit?

When you endorse your check for mobile deposit, please sign your name and write "For Mobile Deposit Only at Trax Credit Union” along with your account number.

How do I make a mobile deposit?

To make a mobile deposit:

Take a picture of the front and back of your check, following the on-screen instructions (make sure you sign it)
Select the checking account into which you want to make the deposit
Enter the check amount
Verify that everything on the screen is correct, then submit it
We'll confirm that the check has been received

What do I do with my check after I make my mobile deposit?

After your mobile deposit has been accepted, keep the original check in a safe place for a period of time in case it's needed for verification. Once you have confirmed the deposit has been processed and posted to your account, you should securely destroy the check to prevent it from being deposited again.

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