Mobile Deposit

Mobile Deposit lets you deposit checks with just a few clicks using the Point Breeze Credit Union App. It's just one of the many free convenience services we offer to save you time and money. 

Deposit checks fast with your mobile phone.

  • Free – Use our FREE mobile app to make FREE deposits1
  • Convenient – Save a trip to the credit union
  • Simple – Make a deposit with just a few taps and camera clicks
  • Secure – Security features protect you and your financial information

1Standard rates and fees from your wireless carrier may apply.
You may require approval to access the mobile deposit feature on your app. Simply follow the registration steps on your mobile phone to request approval.



What is Mobile Deposit?

Mobile Deposit lets you deposit checks into your Point Breeze accounts anywhere, anytime using your mobile device.  Just snap a photo of the front and back of your endorsed check. It’s that easy!


What mobile devices are supported?

Apple iPhones and iPads on Safari 6.0 or higher and most Android phones and tablets are supported.


Is Mobile Deposit safe?

Yes. Mobile Deposit requires you to login to the Point Breeze Credit Union Mobile App with your username and password, or Touch ID/Face ID for iPhone users. It is protected with 128-bit encryption and firewalls.


Am I eligible to use Mobile Deposit?

You are eligible to use Mobile Deposit if you are at least 16 years of age and have a Point Breeze account in good standing.


What are the fees for Mobile Deposit?

Point Breeze does not charge any fees for using Mobile Deposit. Message and data rates may apply. Contact your wireless carrier for details.


What are the benefits of using Mobile Deposit?

You can deposit checks anywhere, anytime without coming to a credit union office.  Mobile Deposit can save you both time and money.


How do I enroll in Mobile Deposit?

To enroll in Mobile Deposit, you must be enrolled in Online Banking and have downloaded the Point Breeze Credit Union App on your smartphone or tablet. Click on the “Check Deposit” icon and agree to the Mobile Deposit Agreement & Disclosure. Once your application is reviewed and approved you will be automatically enrolled. A notice will be sent to you via email within one business day.


How soon can I deposit a check after enrolling in Mobile Deposit?

Once your application is approved and you are enrolled in Mobile Deposit, you can begin depositing checks to your Point Breeze accounts immediately.


How do I login to Mobile Deposit?

Login to the Point Breeze Credit Union App on your smartphone or tablet and touch the “Check Deposit” icon. There are no separate usernames or passwords needed.


Into what account types can a Mobile Deposit be made?

Mobile Deposit can be used to deposit checks into any Point Breeze consumer or business savings or checking account.


How must I endorse a check deposited with Mobile Deposit?

  • Sign/endorse your check as you normally would
  • Under your endorsement write “For Mobile Deposit”


How many checks can be imaged in a single deposit?

Only one check can be imaged per deposit.


Can I make multiple deposits in one day?

Yes. You can submit multiple deposits in one day as long as you do not exceed your daily and/or monthly deposit limits.


When will funds from a Mobile Deposit be available?

The funds will be available 2 business days after the date of deposit if the deposit is made before 3:00 p.m. on a regular business day. If a check is deposited after 3:00 p.m. the funds will be available 3 business days after the date of deposit.


What items cannot be submitted for deposit using Mobile Deposit?

The following items cannot be submitted for deposit using Mobile Deposit:

  • Money Orders, Traveler’s Checks, Savings Bonds, incomplete checks or items stamped “non-negotiable”
  • Items claiming to be a lottery or prize winning
  • Checks drawn on a financial institution located outside the United States or not payable in United States currency 
  • Checks payable to any person or entity other than the person or entity that owns the account to which the check is deposited
  • Checks containing an alteration on the check front, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn 
  • Checks payable jointly, unless deposited into an account in the name of all payees and endorsed by all payees
  • Stale-dated checks (more than 6 months old) and post-dated checks (dated for a future day)
  • Checks previously submitted for deposit, converted to a substitute check or a remotely created check
  • Checks payable on sight or payable through Drafts, as defined in Regulation CC 


Can I see the status of my Mobile Deposit?

Yes. You can see the real-time status of checks deposited by Mobile Deposit.


Can I see or print a copy of a check deposited by Mobile Deposit?

Yes. You can view Mobile Deposit history, including the front and back images of deposited checks, for up to 180 days from the date of deposit. Point Breeze can provide copies of checks upon request.  Fees may apply. Please refer to the Rate & Fee Schedule.


How long do I need to keep checks deposited by Mobile Deposit?

You should retain the original check for 30 days, after which the check should be destroyed.


Can a Mobile Deposit be cancelled?

A check that has been submitted for mobile deposit cannot be cancelled.