Mobile Deposit


Starting in early November 2014, you can deposit a check from wherever you are using your iOS or Android device. 


Mobile Deposit FAQs


What is mobile deposit?
Mobile deposit allows Pima Federal members to deposit checks into their savings or checking account from a smartphone (iPhone or Android) or tablet (iPad or Android) by taking a photo of the front and back of the check. 

Who is eligible to use Pima Federal’s mobile app for remote deposit?
To be eligible, you must have an account in good standing and have set up home-banking access, as well as mobile access to your specific device.  You must also download the free Pima Federal app available in the Apple Store and Google Play store.  Currently mobile deposit is available through the following devices: iPhone, iPad, Android, and Android tablets.  Pima Federal will perform a large on-boarding when we roll out this solution in November 2014.  If your account was not opened at that time or was not included in the on-boarding, please visit a Financial Center or contact our eServices team at 520-887-5010 to request mobile deposit access.

What are the benefits of using Pima Federal’s mobile deposit solution?
You have access to deposit checks at any time of day, from any location, without visiting a Financial Center or mailing in your item.

Is there a fee to use mobile deposit?
No, we are happy to offer the convenience of this solution fee-free to our members.

What types of checks can be deposited through mobile deposit?
This solution may be used to deposit personal and business checks drawn on U.S. financial institutions and payable in U.S. dollars.  Checks must be payable to the account holder and properly endorsed. 

How should I endorse checks deposited through my mobile device?
Please be sure to sign the check, write your Pima Federal account number, and the words “for mobile deposit only” in the endorsement area on the back of the check.

Are there any limits to checks that may be deposited remotely?
Yes, you may deposit checks totaling up to $1500.00 daily and $5000.00 monthly.  There is currently no limit to the quantity of checks deposited remotely.  To request an account review for higher deposit limits, please contact us by phone at 520-887-5010 or visit any Financial Center.

Will my funds be available right away?
The first $200.00 of your deposit will be available immediately;  the remaining amount will be available on the third business day after making your deposit.

What should be done with the check after a successful mobile deposit?
Please save the check in a secure location for 30 days after depositing it remotely in the event that the paper item is needed for verification or adjustment. Also, watch for it to appear on your monthly statement.  After that point, you may destroy the check.

What’s the best way to take a picture of a check using my mobile device?
Use the mobile deposit solution to take a photo in good lighting and keep your hands clear of the check when photographing.  Please be sure all four corners of the check are visible in the image and make sure the check isn’t folded or torn.  It is best to lay the check on a flat surface when capturing both front and back images for mobile deposit.

Does the picture of my check get stored on my mobile device?
No, photos are not stored on your device.  However, within Pima Federal’s secure app, you may view 30 days of transaction history, including transaction details and images.

How will I know my mobile deposit was submitted for processing?
Upon successful completion of a mobile deposit transaction, you will receive a confirmation screen on your device within the Deposits tab of Pima Federal’s mobile app.  You will then receive an email confirmation stating that the item has been approved for processing.  Should a discrepancy or adjustment be detected, you will receive a subsequent email alerting you that the deposit has been adjusted or rejected.

Can I use mobile deposit to make a loan payment? 
No, checks may only be deposited into your savings or checking account.  However, once the item has been deposited and any applicable hold time-frames complete, you may transfer funds within your account suffixes as needed.

If I discover I’ve entered an incorrect amount for a mobile deposited item, should I take another photo of the item?
No, we will process any needed check amount adjustments.  Once you have submitted your deposit on your mobile device, you will not be able to take another photo of the same check as it will be detected as a duplicate.

What if I want to use a flat-bed scanner to remotely deposit checks?
If you wish to use this option, please contact us at 520-887-5010 or visit any Financial Center to enable this feature within your home-banking.

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