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Mobile Banking with Mobile Deposit

Getting started

Q: What is Mobile Banking?
A: Mobile Banking is an app for Apple® and Android® smartphones and tablets that allows you to check balances, transfer money between accounts, pay bills through Bill Pay, make check deposits through Mobile Deposit (using compatible devices) and find branch and ATM locations.

Q: What is Mobile Deposit?

A: Mobile Deposit allows you to make check deposits through Mobile Banking with Mobile Deposit using your smartphone’s camera.

Q: What is Instant Balance?
A: The Instant Balance feature allows you to view your account balance(s) without opening the Mobile Banking app.

Q: Is the Mobile Banking app the same for both Apple and Android devices?
A: While the functionality of the app is identical for both devices, the Menu Bar (navigation) can be found in different locations on either platform. The Menu Bar is on the lower part of the screen for Apple and on the top of the screen for Android.


Q: Which devices are compatible?
A: Apple iPhones running iOS 7.0 or later and Android smartphones running version 4.1 and up are compatible with Mobile Banking with Mobile Deposit. Apple iPod Touch and iPad devices running iOS 7.0 or later and Android tablets running version 4.1 and up are compatible with Mobile Banking, but not compatible with Mobile Deposit.

Download the app

Q: How do I download and install the app?
A: Open the App store on your mobile device and search for "Educational Systems Federal Credit Union." Download the free app and install it on your mobile device.

Login and security

Q: Do I need to sign up for Online Banking to use Mobile Banking?
A: Yes. Mobile Banking is an extension of Online Banking. You’ll need to establish your Online Banking User ID  and Password before you can login to the Mobile Banking app.

Q: How do I login to Mobile Banking?
A: You can access Mobile Banking using your Online Banking User ID and Password.

Mobile Banking User ID = Online Banking User ID
Mobile Banking Password = Online Banking Password

When logging into Mobile Banking, verify your Passmark Image and Phrase and then provide your Password.You’ll also be asked to answer a pre-established security question. Please note that your response to the question is case sensitive. If you don't have an Online Banking login, you can sign up for Online Banking at

Q: Does the Mobile Banking app remember my User ID?
A: Yes. After your initial login to Mobile Banking, the app will remember your User ID, but not your Password.

Q: Is Mobile Banking safe?
A: Yes. Mobile Banking uses multi-factor authentication just like Online Banking. This includes your security question, Passmark Image and Phrase, User ID and Password.


Q: What accounts can be viewed in Mobile Banking?
A: Any accounts that can be viewed in Online Banking can be viewed in Mobile Banking. This includes Checking, Savings, Certificates, IRAs, loans, lines of credit, Visa® and Mortgage.

Q: Can I change account names in Mobile Banking?
A: No. If you want to nickname an account, you need to do that in Online Banking. Once an account name is changed, the updated name will appear in Mobile Banking. 

You can nickname your accounts to make managing your money easier. For example, you might have accounts named "Mom's Auto Loan" or "Vacation Savings," depending on your needs. Once you establish the nickname in Online Banking, it displays in Mobile Banking.


Q: Are transfers completed in real-time in Mobile Banking?
A: Yes. Similar to Online Banking, transfers completed in Mobile Banking are done instantly.

Q: Can I make a loan payment in Mobile Banking?
A: Yes. You can transfer funds from an account to a loan to make a payment under the same login.

Q: Are cross account transfers possible in Mobile Banking? 
A: You can make transfers between accounts that are listed under the same login in Mobile Banking. If the transfer is between two accounts that require different logins, then those transfers must be made using Online Banking.


Q: Can I pay bills using Mobile Banking?
A: Yes. If you already have Payees (Billers) established in Bill Pay using Online Banking, the "Payments" option will be available on your Mobile Banking menu bar. Selecting the "Payments" option allows you to make payments in Mobile Banking.

Q: Will the "Payments" option on the Mobile Banking menu bar appear automatically once Bill Pay is set up using Online Banking?
A: The "Payments" option will appear on the menu bar once you have established a Payee (Biller) in Bill Pay using Online Banking. If it does not appear immediately, restart the app on your mobile device and login again. You should not need to reinstall the app to begin using the "Payments" option.

Q: Can I set up new Payees (Billers) in Mobile Banking?
A: New Payees (Billers) need to be established in Bill Pay using Online Banking.

Q: Can I set up recurring payments in Mobile Banking?
A: No. Recurring payments must be set up in Bill Pay using Online Banking. One-time payments can be made through Mobile Banking once the Payees (Billers) are established in Bill Pay using Online Banking.

Q: Can a payment be canceled or changed once it's submitted through Mobile Banking?
A: Yes. The payment can be canceled or changed by selecting "Payments" on the menu bar and clicking on "Cancel/Change.”


Q: What accounts can deposits be made to using Mobile Deposit?
A: Members can make deposits to Checking and Savings accounts.

Q: Can I make deposits to a loan account to make a payment?
A: No. You cannot make deposits to loan accounts. Deposits can be made to a Savings or Checking account. Once the deposited funds become available, you can then transfer the money to a loan account to make a payment.

Q: How do I deposit a check using Mobile Banking?
A: Please view our Mobile Banking Deposit Step-by-Step Instructions.

Q: How do I endorse my checks using Mobile Banking?
A: To properly endorse your check, include the following:

Your Signature
For Mobile Deposit Only
To ESFCU Account #xxxxxx

image of how to sign a check

Q: What will happen if I don't endorse my check properly?
A: Your deposit may be placed on extended hold and you may be required to submit the original check. In some cases, your deposit may be reclaimed up to 12 months later, possibly resulting in overdraft charges.

Q: How long before funds become available using Mobile Deposit?

A: The Credit Union standard Funds Availability applies to checks deposited through Mobile Deposit. Funds will show as Pending until posted to the account. Third party, stale-dated checks and checks that appear to be altered may require an extended hold time. In those cases, you will be notified by letter the day after the funds post to your account.

Q: What’s the maximum amount I can deposit using Mobile Deposit?
A: The maximum deposit amount is $5,000 per day.

Q: How long before a deposit is available?
A: First, the check must post to the account, which is when the Funds Availability Policy begins. After that, the first $200 of the check will be available.

Q: How can I be sure the deposit image is accepted?
A: For best results, ensure the image of your check is inside the four corners of the box indicated by the app. Be sure the information on the back is legible, that it is properly endorsed and that it is "zoomed" in or out as necessary.

Q: Can I deposit more than one check at a time?
A: Each check is deposited individually and requires its own photo. There is no limit to the number of deposits you can make per day. However, there is a $5,000 daily deposit limit.

Q: What is the daily deposit cut off time to be considered deposited on the same day?
A: The Credit Union Funds Availability Policy specifies that deposits need to be submitted before 5:00 pm, Monday through Friday, to be considered deposited on the same day, excluding holidays. Deposits are not posted on holidays, Saturdays or Sundays.

Q: Where do I find my deposit history?
A: The deposit history can be found under “Deposits” on the Mobile Banking menu bar.

Q: Can a deposit be canceled once it’s submitted through Mobile Banking?
A: No. Once a deposit is submitted, it will begin going through the deposit process.

Additional Information

Q: Can minors use Mobile Banking?
A: Yes. If a child, teen or student has a compatible device and an Online Banking login, he or she can use Mobile Banking.

Q: Are all members eligible for Mobile Banking?
A: Yes. All members who have accounts in good standing are eligible.

Q: Is there a fee for Mobile Banking?
A: There is no fee for Mobile Banking. However, wireless service provider charges may apply.

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