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The myMobile™ app makes it easy and convenient to manage your finances on the go. Now you can easily check your balances, account history, transfer funds, pay bills and much more! myMobile™ is safe and secure because no sensitive account information is stored on your mobile device and your user ID and password stay protected.
Fingerprint Authentication is available for both iOS™ or Android™ mobile devices! Fingerprint Authentication is only supported on Apple iOS™ devices with Touch ID™ and Android™ devices with compatible fingerprint support running on Android™ 6.0 or higher.
You will have to update your app prior to using Fingerprint Authentication. You can enroll in Fingerprint Authentication anytime by logging into myMobile™ and selecting the Manage Fingerprint menu in the app.
myBalances™ allows you to get a quick snapshot of your current account balance, as well as the last few transactions that posted to your account without having to log into the myMobile™ app. Learn more.
myMobile™ Check Deposit
With myMobile™ Check Deposit, available through the myMobile™ app, you can easily deposit checks by taking a picture with your phone or tablet and transmitting it electronically to People's Credit Union.
myMobile™ is FREE and can be downloaded right from the app store for your iPhone™ or Android™ device. myMobile™ app users must be enrolled in myBanking™, our online banking platform. If you are not already signed up for myBanking™, you can sign up online now and then easily download the app.
Frequently Asked Questions
Choose from a topic below.
- myMobile™ Fingerprint Authentication
- Accessing myMobile™ Check Deposit
- myMobile™ Check Deposit Limits
- myMobile™ Check Deposit Issue Resolutions
myMobile™ Fingerprint Authentication
Which devices support myMobile Fingerprint Authentication?
Fingerprint Authentication is available for Touch ID capable iOS devices and Android devices that have compatible fingerprint support running Android 6.0 or higher. Compatible Android devices are those that are using Android fingerprint support. Specific devices from manufacturers that have created their own fingerprint-supported devices and are not using Google’s built-in support for Android are not compatible. This includes the Samsung Galaxy S5 and Note 4.
How does People’s Credit Union recognize my fingerprint?
People’s Credit Union does not collect or store your fingerprint, and instead relies on the fingerprint software on your device to authenticate the fingerprint and confirm or reject verification.
How do I enroll in Fingerprint Authentication?
You will need to update your myMobile app to the most recent version. Once the app has been updated, sign into myMobile using your account username and password, and then choose the Mobile Services menu. Select Manage Fingerprint, and then Fingerprint Enrollment. You will be prompted to give your device a nickname (this will identify each device you enroll) and enter your myBanking username and password. Once you complete enrollment, the next time you open the myMobile app, you will be prompted to use your fingerprint to sign in.
If my fingerprint is not recognized, can I still login to my account?
Yes. You can login to myMobile using your username and password.
Will my fingerprint be stored in myMobile?
No, your fingerprints will never be stored in myMobile or myBanking. People’s Credit Union does not store your fingerprint. Your fingerprint is stored on your device when you setup your fingerprint-enabled device settings.
I’m locked out of myBanking and myMobile with my username and password. Can I still login to myMobile using my fingerprint?
No. If you are locked out of myBanking and myMobile, your Fingerprint Authentication will be disabled. Please contact People’s Credit Union at 800.498.8930 for assistance.
Can I use Fingerprint Authentication to login if I have other people's fingerprints stored on my device?
When you enable Fingerprint Authentication to login, any fingerprint stored on your device at the time of registration can be used to login to myMobile. This means that if you have other people's fingerprints registered on your mobile device, they will also be able to access your account information. For your security, anytime a new fingerprint is added to your device, you will be required to re-enroll in this feature in myMobile.
Just as you must keep your online banking username and password secure, you should also refrain from storing other people’s fingerprints on your device if you would like to enable fingerprint authentication in myMobile. If another person’s fingerprints are stored on your device and you enable fingerprint authentication, they will have full access to your account.
What if my Fingerprint Authentication enabled phone is lost or stolen?
You may delete a device from myMobile fingerprint authentication access at any time by logging into your account from a PC or other device and selecting the Fingerprint Device Management screen. Additionally, for your security, when a new fingerprint is added to the device, re-enrollment in this feature via myMobile is required. This means that someone else should not be able to access your account without your fingerprint or account username and password.
How can I disable Fingerprint Authentication?
You can un-enroll in fingerprint authentication from the myMobile app by going to Mobile Services > Manage Fingerprint > Fingerprint Enrollment > Unenroll. You can also sign into your account using the desktop site and selecting the Fingerprint Device Management page.
How do I remove existing fingerprints on the device?
For iPhone, go to Settings > Touch ID & Passcode.
For Android devices, go to the device settings screen. Within settings, fingerprint will either be under Lock Screen & Security, or Security.
If my device has fingerprint capability, do I have to use Fingerprint Authentication for myMobile?
No, this is an optional feature. You can continue using your online banking username and password to login to myMobile.
Accessing myMobile™ Check Deposit
Do I need to have myBanking or myMobile to use myMobile Check Deposits?
Yes, in order to have myMobile, members must enroll in myBanking. In order to use myMobile Check Deposit, you must then log into the myMobile app on a mobile device.
Can I use the myMobile Check Deposit function without being logged into myBanking?
No, in order to make deposits via a mobile device, you must be logged into myBanking using the myMobile app.
If I'm a new member can I make deposits via a mobile device?
Yes. New members will be able to use myMobile Check Deposit immediately upon registering for myBanking and downloading our myMobile app on their mobile device. However, the Credit Union reserves the right to restrict access to any member at any time if the member's accounts are not in good standing.
How do I get access to the myMobile Check Deposit Option?
Enrollment to myMobile Check Deposit is automatic once you are enrolled in myBanking and use the myMobile app. Once in myMobile, you can click on the right-side menu to select the option to "Deposit a Check" and then follow the instructions on the screen.
Will I need to accept any terms and conditions before accessing the myMobile Check Deposit function?
Yes. All users must read and accept our myMobile Check Deposit disclosure the first time they click on the link to "Deposit a Check" in myMobile.
What should I do with the check after I make the deposit?
With a pencil, you should write "Deposited via myMobile" and the date of the deposit on the back of the check. The check should then be stored in a secure location until you verify that the deposit has been processed and accepted. You should keep the physical check for 30 days and then securely destroy it.
Can I contact the Credit Union with questions?
Yes. You can contact the Credit Union for questions on myMobile Check Deposit by sending a secure message to the Member Service Center using the messaging tool in myBanking. A new message category has been added titled "Mobile Check Deposit."
How do I access the myMobile Check Deposit option on my mobile device?
Once in the myMobile app, you can click on the right-side menu to select the option to "Deposit a Check" and then follow the instructions on the screen.
What account types are available for me to make deposits to via my mobile device?
All People's Credit Union money market, checking and savings accounts are available for myMobile Check Deposits. This includes personal and business accounts. However, the Credit Union reserves the right to restrict access to any member at any time if the member's accounts are not in good standing (bad address holds, revoked OPS, returned deposited items, suspected account fraud, excessive overdraft returns, delinquent loans, etc.).
Can the Credit Union suspend access to myMobile Check Deposit for certain members?
myMobile Check Deposit functionality may be suspended at the discretion of the Credit Union. Reasons for suspension may include bad address holds, revoked OPS, returned deposited items, suspected account fraud, excessive overdraft returns, delinquent loans, etc. For any member who had their myMobile Check Deposit access suspended their accounts will be flagged "Mobile Deposit Suspended" and they will no longer see the option on their mobile device.
myMobile™ Check Deposit Limits
Is there a hold placed on checks deposited via myMobile Check Deposit?
Checks deposited via myMobile Check Deposit will be available on the business day that the deposit is received and accepted.
Is there a cut-off time for myMobile Check Deposit?
If you make a deposit using myMobile up to 4:00 p.m. on a business day that we are open and the myMobile deposit is accepted we will consider that day to be the day of deposit. However if you make a deposit using myMobile after 4:00 p.m. on a non-business day or on a day we are not open, we will consider the deposit was made on the next business day that we are open and the funds will be made available once the deposit has been accepted on that business day.
Will the Credit Union be reviewing deposits before approving?
The Credit Union will be reviewing every deposit that is made via myMobile Check Deposit. During this review, the Credit Union will analyze the check to determine whether or not the deposit will be accepted. If the item is not accepted, you will receive an e-mail message outlining the reason(s) the myMobile Check Deposit item was rejected.
Is there a limit to the number of deposits or dollar amount limit for deposits made using myMobile Check Deposit?
All users will be limited to the maximum deposit of $2,500 per business day. There is no limit to the number of deposits a user may make via a mobile device. This limit is based on the myMobile login ID.
Can I request a higher myMobile Check Deposit Limit?
You may request a higher limit by sending a secure message to the Member Service Center using the messaging tool in myBanking or myMobile. This secure message can be sent using the messaging tool in myBanking or myMobile. A new message category has been added titled "Mobile Check Deposit." Once the request has been received, the request will go through an approval process. Higher limit categories included a maximum daily limit of $10,000 or a maximum daily limit of $50,000. No members may exceed a maximum daily limit of $50,000.
myMobile™ Check Deposit Issue Resolutions
If there is an issue with my deposit, will I receive any messages during the deposit process to alert me of the issue?
If there is an issue that causes the deposit to be rejected immediately during the deposit process, you will receive a message on your mobile device. This message will include a brief description of the issue as well as an issue number. If you contact the Credit Union for assistance, the issue number should be given to the employee so it can be used to determine the cause of the issue.
Once a check is accepted will I receive a notification that my deposit was accepted?
At this time, no, you will not receive a notification when your deposit was accepted. You can refer to your deposit activity and you will see the deposit reflected in your balance. In the future, there may be an electronic message that can be sent at the time the deposit is accepted.
If a check is rejected by the Credit Union after I submit it, will I receive a notification that the check was not accepted
Yes. You will receive an e-mail notification at the e-mail address we have on file in myBanking alerting you that the check was rejected. This e-mail will include a reason that the check was rejected and contact information for the Credit Union.
Can I deposit foreign checks via Mobile Deposit Capture?
No, foreign checks will need to be processed at one of our branch locations. Any foreign deposit that is made via myMobile Check Deposit will be rejected.
Can I deposit Traveler's Checks via myMobile Check Deposit?
Yes, you can deposit Traveler's Checks via myMobile Check Deposit, but any Traveler's Check processed via a mobile device will be reviewed for processing.
Can I deposit savings bonds via Mobile Deposit Capture?
No, savings bonds will need to be processed at one of our branch locations. Any savings bond deposit that is made via myMobile Check Deposit will be rejected.
If I forget to endorse the back of the check, will it be rejected?
The system will review both the front and back signature of every check. Any check that is not properly endorsed will be rejected upon review.
What if the check deposited is post or stale dated?
Any check that does not have a current date will be rejected upon review.
What if I enter the wrong check amount during the deposit process?
When you take a picture of the check, the system will read the amount on the check. If the difference is $1 or greater, the check will be flagged for review. If the difference is $25 or greater, the check will be automatically rejected during the deposit process.
What if the picture of my check is unclear or unreadable?
If you are missing any images, the image(s) are unclear or if the image is duplicated, the check will be automatically rejected during the deposit process.
What if the image is dark, blurry or illegible?
For any images that cannot be clearly read, the check will be automatically rejected during the deposit process.
Why might the system be unable to read the MICR code on the bottom of the check?
The system may be unable to read the MICR line for many reasons. This issue may be caused by a signature that runs into the MICR line, a fold or crease in the check or a blurry image. If the system cannot clearly read the MICR line, the item may be rejected during the deposit process or it may be rejected after review.