How does UCB Mobile Deposit work?

If you have a web-enabled device, simply download the UCB Mobile Banking App. Then, log in. You'll key in the amount of the deposit, and take a picture of the front and back of the check. That's it! Within seconds of uploading the transaction, you'll receive a confirmation that the deposit was received successfully.

What types of checks can be processed through Mobile Deposit?

All personal and business U.S. checks can be processed through UCB Mobile Deposit. Checks from Canada and other foreign countries, food stamps, savings bonds and poor image quality checks must be deposited traditionally.

How secure is Mobile Deposit?

UCB Mobile Deposit is very secure. It features multiple layers of security, giving your account and check data the highest level of safety available.

When can electronic deposits be issued to the financial institution?

You can transmit mobile deposits to the financial institution 24-hours a day, 7-days a week including weekends and holidays, with the exception of the financial institution's routine maintenance downtime.

When will deposits be posted into my account?

Deposits received electronically are processed similar to traditional paper deposits during the business day. Deposits received after 2:30 p.m. CST will be posted on the next business day.

What should I do with the original paper checks after deposits are made?

Original checks should be kept until you see the deposit posted on your statement.

How do I prevent checks from being scanned and deposited twice?

Properly endorse the back of the check and include the restriction "For Mobile Deposit Only". The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question.

How do I know the image quality is acceptable?

The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you'll be asked to retake the photo.

Need Assistance?

If you have additional questions, contact United Community Bank for assistance.