Ready to get our mobile banking app?
If you're already enrolled in Online Banking, download our mobile banking app for iPhone and iPad on the App Store here, or for Android on Google Play, here. If you aren't signed up for online banking, click here to enroll now.
Our mobile banking app just got better! With mobile deposit you can deposit checks into your First Federal checking account right from your mobile device just by taking a picture! Once inside our mobile banking app, you'll see a "Deposits" tab on the bottom menu of the app, which will enable you to start making deposits immediately (see below for a step-by-step guide, tips and more).
How to make a deposit using Mobile Deposit:
- Log in to the First Federal mobile banking app.
- Select "New Deposit."
- Select the checking account for your deposit.
- Take a photo of the front of the check.
- Take a photo of the back of the check.
- Submit the deposit via your phone.
- Save the original check (see "What to do with deposited checks" below).
- Return later to check the deposit status and recent deposits.
To produce a clear image of your check, make sure to:
- Place the check on a dark surface to get a background contrast
- Spread the check out flat, without wrinkles or folds
- Have enough lighting when you're taking the photo
- Get all four corners of the check within the frame
- Take the photo from directly above the check, not at an angle
For a successful deposit, make sure:
- The check hasn't been deposited before
- You've endorsed the check
- The deposit doesn't exceed the Mobile Deposit daily deposit limits
- You submit a good-quality check image
Mobile deposits made before 4 pm Eastern Time Monday-Friday will typically be processed that day. Mobile deposits made after 4 pm Eastern Time Monday-Friday or during weekends or holidays will be processed the next business day.
The daily Mobile Deposit limits are $2,500 per item and $5,000 der day.
Availability of funds:
Funds are subject to First Federal's Funds Availability Policy.
What to do with the deposited checks:
After confirming the check was deposited into your account, clearly write "Mobile Deposit on Date" (the date being the month/day/year of your deposit) in a blank area on the top half of the front of the original paper check. Keep the original check in a secure container accessible only by those who need access to it for at least thirty (30) calendar days, or until you have received your account statement confirming the deposit (This provides sufficient time for research in case there is an issue with the deposit or if the original paper check is required for any other reason). After the end of the retention period described above, you must destroy the original checks to prevent them from mistakenly being deposited again. Use a shredder to completely destroy check information. Do not put deposited checks in trash or recycle containers unless they have been shredded.
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