Mobile Deposit Capture is a convenient service that allows you to deposit checks into your checking or savings accounts with our Mobile App – Mobiliti. By using your eligible smartphone, you will capture front and back images of the check and transmit the digital images and associated deposit information.

To Get Started:
You must be enrolled in Online Banking. For more information, click here.
You must download our Mobile App – Mobiliti. For more information, click here.
Submit a Mobile Deposit Capture Service Application. To apply, click here.
Once you log into the app, choose “DEPOSIT” from the menu and follow the prompts.

Deposit Limits:
Daily Deposit Limit of $1,500.00
Number of Checks Deposited Per Day = 3

Endorsement Requirements:
You must endorse the check you are depositing as follows:
“Your Signature”
“For NGCU Mobile Deposit Capture Only”

Check Image Quality:
The image of a check transmitted to NGCU using Mobile Deposit Capture must be legible, as determined in the sole discretion of NGCU. If an image that we receive from you for your deposit is not sufficient quality, we may reject the image without prior notice to you.

Funds Availability:
If an image you transmit through Mobile Deposit Capture is received before 4:00 PM Eastern Time on Monday-Friday (excluding Federal Reserve holidays and NGCU holidays, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.
Checks less than $500 will be available the second business day after deposit. Checks greater than $500 will generally be available on the third business day after deposit. Longer holds may apply.

For the purpose of establishing funds availability, your deposits through Mobile Deposit Capture Service are deemed to be received by NGCU at the time the deposit posts to your account. Before using any funds by any access methods, you should check to ensure you have available funds to cover any transactions you make.

Check Retention:
After depositing the check, you must securely store and retain the check for at least 45 days from the date of deposit. Upon expiration of the 45-day period, you shall mark the check “VOID” and destroy it.

Ineligible Checks and Other Items:
Please refer to the Mobile Deposit Capture Service Agreement for a list of checks and other items that you cannot deposit with Mobile Deposit Capture.

*Not all accounts are eligible for participation in the Mobile Deposit Capture Service. Mobile Deposit Capture funds are not subject to the Federal Funds Availability Policy requirements. Free Online Banking with NGCU enrollment required for NGCU Mobile Banking App sign on. Full agreements and disclosures available at https://www.ngcu.org/disclosures/.