CU Mobile Deposit


Mobile Remote Deposit Capture (RDC) will soon be a “must have” for all credit unions.  The convenience of taking a photo of a check on your mobile device and making a remote deposit is already in high demand by many mobile-savvy members.  Over 10% of your members will immediately begin using RDC when available.  These members typically conduct 2 to 3 RDC transactions per month.  RDC transactions are without question less expensive than a traditional teller window transaction.  Your credit union will see an immediate ROI when you offer a Remote Deposit Capture service.


Once you see our CU Mobile Deposit product in action, we think you will agree that we have delivered the most robust user experience available on the market today!  By combining our proprietary “App Engine” with CU Mobile Deposit, your credit union has the ability to communicate directly with your member utilizing our unique push notification feature.  While most RDC apps send the member a standard “Reject” message if there is an issue with a check, you can actually personalize a push message back to the member.  This feature will save your staff and your member’s time and frustration when dealing with a rejected item.


It typically makes sense to include RDC within your existing mobile banking app, therefore preventing your members from having to download two separate apps from the app stores.  However, we also offer our CU Mobile Deposit as a stand alone product.  Full customization is available for both!  Your app will be customized to include your credit union name and color scheme allowing you to maximize your brand.  Our App Engine allows you to personalize your app tabs instead of using “stock” verbiage.  Honestly, you have to see it to believe it!


CU Mobile Apps works with a variety of the nation’s leading RDC providers who use the latest digital check imaging technology.  Our Account Management team will work hand-in-hand with your staff to help implement your RDC service.


Contact us for more details and to arrange a no obligation live webinar.

Put your Credit Union in every member’s hand. Download the CU Mobile Deposit brochure.


  • Provides state-of-the-art digital imaging.
  • Fully integrated within your mobile app for member convenience and functionality therefore eliminating the need for your members to download two separate apps.
  • Unlimited push notifications with personalized messages for each member.
  • Compatible with iPod Touch, iPhones, iPads, Android Phones and Android tablets.
  • Usage analytics.
  • Branded for your credit union utilizing your logo and color theme.
  • Customizable text areas.

  • Easily upgradable to our App Engine mobile app product.
  • Two-factor login authentication, data encryption on phone and en-route to safe server.
  • Check 21 compliant ensures that only images satisfying FSTC image quality standards pass.
  • X9 files provided in your preferred format.
  • Provides extreme accuracy as it captures and optimizes images while automatically extracting payment data.
  • Includes a portal for staff approval or rejection of flagged items.
  • High quality user experience.
  • We provide marketing and sales support by working with you to develop strategies to most effectively target your members.



Test Locator Point FAQ

Test Anwer

What members qualify for CU Mobile Deposit?

Your credit union is in control of determining what segment of members will qualify for remote deposit capture.  You set all deposit criteria with regard to the service.

How does CU Mobile Deposit work with my item processor or core processor?

The credit union will receive a X9 file that can be directly uploaded to your item or core processor.

How long does it take to implement CU Mobile Deposit?

It will typically take between 60 to 90 days to fully integrate and implement your RDC program.  Since RDC is an imbedded tab within your mobile app, we suggest you implement your mobile app first.  The RDC tab can be easily inserted into your app engine for members to use.

What does CU Mobile Deposit cost?

We offer two pricing strategies that makes CU Mobile Deposit a cost effective solution for credit unions of any size.  Given the average cost of a traditional teller deposit, you will see an immediate ROI when you implement the RDC service.

Is your app a web based or native app and what is the difference?

Our app is a native app with native features and functions.  We also however allow for the display of web pages and web apps within our solution.

A web app is a website that has been optimized for mobile devices and they are designed to look like native apps.  However, they are not distributed and available for download in the major app stores where your members expect to find them.  They also do not support native in app messaging, push notifications, remote deposit capture etc.

The benefits of native apps are: they are fast and can be found in the app stores where your members expect to find apps (web apps are not in the app stores) and can access native functionality on the devices (such as gps, cameras, compass, accelerometer etc).  Native apps will generally work without network connections, whereas web apps by their very nature require a network connection to the web server.  Therefore web connectivity isn’t always available.

We actually have a best of both worlds: a native app and native features that can include mobile web pages and be delivered via the app store (preferred user experience)

What platforms are supported?

We currently support iPhone, iPod Touch, iPad, Android Phones & Tablets and Kindle Fire.

Do you have any plans to add Blackberry to your list of supported devices?

Due to Blackberry’s rapidly declining market share, strategy, customer demand and general outlook, we do not have it listed on our road map of devices to build support for.  However, we will continue to evaluate this decision over time and if our analysis changes then we will certainly add them to our road map.

What is a Mobile App Engine?

The App Engine platform was built to allow our credit union clients a quick, easy and cost effective way to update, maintain and make instant changes to their own mobile app rather than having to seek the help of an outside vendor every time they need to change something.  Use our web based Content Management System (CMS) to simply:

    • Upload your brand content to our design portal
    • Make necessary changes to your mobile app in real time
    • Preview what your members would see on their device
    • Simply click “publish” and your changes will be made viewable to every member instantly.

What skills are needed to update, maintain and make instant changes to our app via your App Engine?

If you or someone on your staff can upload pictures to your desktop, Flickr, Facebook and other services, then you have the skills to maintain your mobile app.