Unity One Credit Union

Unity One CU informs: Mobile Deposit Endorsement Update

Tue, Jul 10, 2018 @ 10:37 AM / by Alyssa Guillory posted in checking account, Unity One Credit Union, mobile deposits


As of July 1, 2018, new federal regulations require all checks deposited via remote deposit capture (mobile deposit) be endorsed with, "For Mobile Deposit Only @ Unity One Credit Union." This sentence should appear under your signature and account number.

This endorsement ensures that your check won't be rejected due to these new regulations, which protects members from depositing the same check more than once.

Here is an example of a properly endorsed check under the new federal regulation:

Mobile Deposit Update Requirement

If you need assistance, we're here to help! Contact us online or call (800) 628-5517.

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About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals. 

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has nine branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

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FAQs for credit union mobile deposits

Tue, Oct 23, 2012 @ 04:38 PM / by Erayne Hill posted in credit union, unity one, mobile deposits


Unity One Mobile Banking Frequently Asked Questions:

My account, password or challenge questions aren’t working. What's wrong?
You must enroll in Express Online Banking at our main website www.unityone.org. If you are enrolled, you may be using the on-screen/graphical keyboard when logging into home banking from a “traditional” computer. Unfortunately, the graphic keyboard cannot be utilized on your mobile device. You must first log in to home banking from a computer and under the More Options > MFA, choose “do NOT show graphic keyboard”.

What is the difference between go.unityone.org and an “app”?
Our mobile site go.unityone.org will continue with the same features and functions it has always had. We’ve redesigned it to make the choices and functions easier to see and use. Unity One Credit Union is introducing apps for both iPhone and Android devices. With the apps, we’ve taken the top mobile functions (check on your accounts/find an ATM) and put them right on top. Additionally, our ATM and Branch search functions will interact with GPS capabilities in your mobile device to detect your current location as well as provide directions to the nearest locations. The other big difference in an app is that you will have the ability t
o make mobile deposits through an interface with your device’s camera (see below).

How do I download the Mobile Deposit app?
From your device’s web browser, go to go.unityone.org. Our mobile site will detect if you have an Android, iPhone or Blackberry device and present you with a download option at the bottom of the home page.

I carry a Blackberry, but I don’t see an app for it.
Unfortunately we aren’t offering a Blackberry app at this time. During testing we encountered several compatibility issues that prevented us from providing an app that works across multiple Blackberry devices. You do have the option of a Blackberry shortcut that will provide one touch access, but not the camera function.

What is Mobile Deposit?
Mobile Deposit allows you to take pictures of the front and back (endorsed) of a check payable to you and make an instant deposit to your account. You must be a tenured member in good standing with the credit union to use mobile deposit.

Girl taking pic with phone
When will my deposit be processed?
Deposits are credited to your account nearly instantly, though the funds may not be immediately available for withdrawal. Unity One’s funds availability policy still applies to mobile deposits. Additionally, if there are issues with the quality of image, the amount, payees, endorsements, etc. we may notify you that your deposit is reversed pending submission of a new deposit.

Is depositing my check with a mobile device safe?
Yes. The link between your mobile device and our mobile deposit site are encrypted to industry standards. Your scanned check is secure and protected through this link.

What are some top tips for using mobile deposit?
Endorse your check just as if you are bringing it to a teller. Image quality is key to successfully making a mobile deposit. Be in a well lit area, avoid casting shadows and be willing to retake an image if your device’s camera isn’t focusing properly. The quality of the check also plays a part. Ideally everything is clear and where it belongs. Persistence and patience may be required to get a good image.

As part of mobile deposit, I got a warning that the item may not be immediately available, but it allows me the option to continue. Should I?
In most cases yes. The picture you take of a check is first reviewed by computers and the warning message is from that review. Often times the warning may be for a minor thing. For example if your account is under your full name (i.e. Joseph Smith) but your check is payable to a nickname (Joe Smith), the system is just giving you a warning that the deposit is pointed for a review by staff at the credit union.

What if my check doesn't have very legible handwriting?
If the system is unable to read the check information, an error message will display. In that case, you may deposit the check at a branch or by mail.

My check was written more than six months ago. Can I still deposit it?
No. The check is considered "stale-dated." You should request to have the person who issued the check reissue it with a current date.

I have a check made payable to someone else. Can I deposit it into my account?
No. This is considered a third-party check. Only checks made payable to the account holder(s) are accepted.

What do I do with the check after it's been deposited?
We recommend that you store your original check in a safe place for up to 60 days. Do not write VOID across the front of it or destroy it until after this period. Be sure the check is not rescanned or deposited elsewhere unless Unity One specifically instructs you otherwise.
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