Mobile Check Deposit FAQs

Mobile Check Deposit is a service available within First Commonwealth’s Digital Banking - Android, iPhone, and iPad mobile banking apps. It allows you to deposit checks directly into your First Commonwealth account(s) by taking a picture of a check using your smartphone. 


1. Who is eligible for Mobile Check Deposit?

First Commonwealth members, who maintain an eligible checking or savings account are eligible. Enrollment is not guaranteed as some restrictions may apply. Business Members: please contact your Relationship Manager for more details.

2. What mobile devices are supported?

Mobile Check Deposit is currently available for the Android (Operating System version 4.1 or higher), iPhone (Operating System version 5 or higher), and iPad. The phone camera needs to be rear-facing and 4+ megapixel resolution with flash. Although some different devices will work for the mobile app, the camera specs may not be considered optimal for capturing images. To troubleshoot your device, please check the phone specifications online or with your wireless provider.

The entire check needs to be captured between the overlay boundaries on a flat, dark surface to ensure proper check imaging. ANDROID Devices - TIP: To capture the best image - Tap to focus!

3. What are the advantages of using Mobile Check Deposit?

You can securely deposit checks from anywhere, anytime - even if you are not near a FCFCU Financial Center or ATM. This saves time and expense by reducing trips to the credit union to deposit checks. 

4. How much does it cost to use Mobile Check Deposit?

There is no charge for members to use Mobile Check Deposit. Business Members: please contact your Relationship Manager for more details.

5. Will I be charged by my mobile carrier for this service?

Your standard wireless carrier charges apply.

6. How long does it take to upload a deposit?

This will depend on the speed of your connection. Wi-Fi transmission submits times are usually in the 5-10 second range. The network transmission times range from 10-30 seconds. Weaker signal strength may result in slower response time.

7. Do I need to endorse the check I am depositing?

Yes, you are required to endorse the back of the check you are depositing as " For mobile deposit only” or as otherwise instructed by FCFCU.

8. How many checks per month can I deposit using Mobile Check Deposit?

Members can deposit up to 20 checks per day with a maximum limit of 35 checks per month.
Business members should discuss limits with their Relationship Manager.

9. Is there a dollar limit on these checks?

Members can deposit up to $3,000 per day with a monthly maximum of $15,000.
Business members should discuss limits with their Relationship Manager. 
It is important to track your deposit limits - both count and dollar! If your current deposit puts you over the limit, you will receive a generic error on the mobile app: “Deposit Failed: Deposit limit has been exceeded.

Please contact your financial institution.” If this is in regards to a daily limit, you can use Mobile Check Deposit the next day to deposit your check. If you have surpassed your monthly limit, the check will then need to be deposited at a First Commonwealth Financial Center.

10. What should I do with the check after it has been deposited into my account?

 After confirming the check has been deposited into your account, we recommend that you write on the front of the check-in ink these words: “Mobile Deposit on DATE” (where DATE is the full date you deposited the check by Mobile Deposit) then securely store the deposited check for a minimum of 30 days, then destroy it. Keep your check-in a secure place until you destroy/shred it.

You should keep the check for 30 days after the deposit to provide sufficient time should the original item be required for any reason.

11. What are the cut-off times for deposits made with Mobile Check Deposit?

You can deposit checks at any time. Checks will have an immediate release of $400. The remainder of the amount will be on hold for 2 business days.

To avoid overdrafts and/or fees, check your account online to verify that the funds have been made available.

12. Which accounts can I use to make deposits?

Members can deposit checks into their checking or savings account.

13. Are there any kinds of checks I can’t deposit using Mobile Check Deposit?
  •  Any third party check, i.e., any item that is made payable to another party and then endorsed to you by such party    
  • Any item that contains evidence of alteration to the information on the check    
  • Any item issued to you by a financial institution in a foreign country    
  • Checks payable jointly, unless deposited into an account in the name of all payees    
  • Checks not payable in US currency    
  • Stale dated checks – checks dated more than 6 months prior to the date of deposit    
  • Checks that are post-dated or expired    
  • Checks that have been previously been submitted through Mobile Check Deposit services or through a remote deposit capture service offered at another financial institution    
  • Cash    
  • Savings Bonds