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Mobile Deposit

What is Mobile Deposit?
Mobile Deposit allows eligible members to make a check deposit taking a photo of it using your smartphone or tablet and transmitting it to us electronically.

What are the advantages of using Mobile Deposit?
You can deposit checks on your own time without visiting an LOC branch or ATM.

I tried to deposit a check using your app, and why didn't take the deposit?
Members may deposit up to $5,000 per day. This includes eligible business members.  The following checks are not eligible for Mobile Deposit:

  • Foreign checks
  • Altered checks
  • Incomplete items
  • Non-negotiable items
  • Non-readable or non-visible MICR line items
  • Torn or damaged checks

You may also want to check the surface the check is on when you are taking a picture and the lighting to ensure there are no issues with the image.

Why don’t I see the Mobile Deposit feature in the LOC app?
Mobile deposit is a feature available in our Apple and Android apps to eligible users.  Call us at 800.837.4562 to verify your eligibility for this service.  Mobile deposit is only available using one of our apps, and not online banking or mobile web banking at 

Am I eligible to use Mobile Deposit?
You are eligible if you have a supported device, the LOC app on your device, and if you:

  • Age 16 or older
  • Have a Checking account
  • Are current on all your LOC loans
  • Don’t have any negative LOC account balances

Is there a fee to use Mobile Deposit?
There is no cost to deposit a check using the LOC Mobile apps.

How long will it take for my funds to become available using Mobile Deposit?
Mobile deposits are subject the same holds as checks deposited at an ATM.  Extended holds may apply.

How much can I deposit using Mobile Deposit?
Members may deposit up to $5,000 per day. This includes eligible business members.

Do I need to sign the check when making a Mobile Deposit?Y
You must also write in the endorsement area For Mobile Deposit Only at LOC FCU and include your signature and account number.

After I deposit, what should I do with my check?
Keep the check for 60 days. After 60 days and confirmation of deposit (via your account history online or monthly account statement) you may destroy the check if you wish.

Can I see a history of checks deposited using Mobile Deposit?
Yes. You should see an option for History (location of this option varies by device) when you are in the Mobile Deposit service. When you select History, you will see a list of checks deposited. Select an individual item to see more details, including an image of the check deposited.

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