Mobile Check Deposit - APCI eDeposit

Receiving this error message indicates that you have exceeded your daily or monthly APCI eDeposit limit. To request a permanent or temporary increase to your deposit limit, please visit our Forms page and complete the APCI eDeposit Dollar Limit Change Request Form.

Yes. After registering for APCI eDeposit, initial deposit limits are up to $8,000.00/day and $15,000.00/month per individual membership account. Check deposits through APCI eDeposit are limited to 25 checks per day, with a maximum of 50 checks per month per individual membership account.

APCI FCU reserves the right to impose, at our sole discretion, limits on the number of deposits you transmit and/or the amount of any one or combined deposits you transmit and may modify such limits from time to time. If you have the need to increase your daily or monthly limits, please fill out our APCI eDeposit Dollar Limit Change Request.

APCI eDeposit is a secure online service that allows you to deposit checks into APCI FCU from a remote location and is integrated into our APCI eBanking Mobile App. Your check can be photographed with the camera feature on your smartphone and delivered to APCI FCU electronically. This convenient 24/7 service helps save time by eliminating the need to mail a check or travel to the Credit Union or ATM.

APCI FCU members who are at least 18 years old are eligible to use APCI eDeposit. Members must be in good standing as defined by our Bylaws.

APCI eDeposit is accessed through the APCI eBanking Mobile App. In order to use APCI eDeposit, you will be required to download the APCI eBanking App to your smartphone or tablet. Once downloaded and logged in, select Deposit from the bottom navigation bar to begin. Please note, first time users will have to agree to the Terms & Conditions to begin making mobile check deposits.

APCI eDeposit is a free service for members. Charges for returned deposit items are outlined in our Fee Schedule.

APCI eDeposit integrates completely with APCI FCU’s security system. The password and multifactor authentication used for APCI eBanking also protects your APCI eDeposit transactions. To prevent unauthorized access to your account, be sure to log out of your APCI eBanking app once your online activities have been completed.

Any Share Savings or Share Draft Checking account.

You can submit checks using APCI eDeposit 24 hours a day, 7 days a week including holidays.  

Yes, when you sign the back of your check, please write “For mobile deposit only” before taking photos.

We require each item to be endorsed with the signature of the payee and/or “For Mobile Deposit Only.” Checks that are not properly endorsed will be rejected by APCI FCU. APCI eDeposit can also detect and reject duplicate deposits.

Properly endorsed personal and business checks, government/treasury checks or cashier checks that are issued in US dollars can be deposited using APCI eDeposit. Checks from Canada and other foreign countries, food stamps, savings bonds, money orders, traveler’s checks, and poor quality checks must be deposited traditionally. Checks made payable to a business that a member owns, or those from a business the member owns made payble to them, cannot be deposited into their Credit Union account.


The funds should be available in your account immediately. In some cases, longer delays may apply.

We recommend that you securely store the original check for a minimum of 90 calendar days. After the storage period has expired, all paper checks can be destroyed using a secure method such as a paper shredder.

If your deposit item is declined, you should call our Member Services Representatives during normal business hours at 800-821-5104. Reasons that deposit items may be declined include ineligible or non-negotiable checks, missing signature or missing endorsement, a stale or post-dated check, poor image quality, daily or monthly deposit dollar amount exceeded, or an unacceptable item.

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