Introducing Remote Deposit!

You told us you wanted it, and now we have it!

One less errand to run, one more way we can make banking easier! You can deposit checks straight from your smartphone. Simply log in to our BMCU mobile app and tap the button for mobile deposit. Then, take a picture of your check, front and back. That’s it! It’s easy, fast, and best of all—FREE!

All you need to do is download the BMCU app on your phone!

Frequently Asked Questions:

1. If I use mobile deposit, when will I see the funds in my account?
Cutoff time for daily processing is 2pm CST. Checks deposited before 2pm should be in your account that afternoon or the next business day. Checks are not processed after hours or on holidays or weekends. You can check the status of your remote deposit by clicking the “History” tab.

2. Is there a limit to what I can deposit?
There is a dollar amount limit per day and five item limit per day. You can find this limit under the deposit tab in the mobile app.

3. Should I endorse the back of the check?
Yes. You must endorse the back with your signature and the words “FOR MOBILE DEPOSIT ONLY AT BMCU”. If it is not properly endorsed, the request will be denied and returned for proper endorsement.

4. How do I deposit a check?

After logging into the app, click the “Deposit” button at the bottom of the screen.

Endorse the check with your signature and write "For remote deposit only at BMCU" on the back of the check.

Choose the account (share savings or share draft) to make the deposit and enter the amount.

Take a picture of the front and back of your check following the instructions on the screen. You will place the check on a flat surface and make sure all 4 corners are present in the image.

Once your image is acceptable, click the check mark.

After taking the photos, tap the “Submit” button to complete the process.

After you click “Submit,” you will see the confirmation message pop up on the screen. You can check the status of your deposit at any time by clicking the “History” tab.

Hold on to your check for a period of 60 days to confirm it was deposited and the funds became available.

Once deposited via remote deposit, checks are not accepted at any other financial institution.