fbpx Skip nav to main content.

Mobile Check Deposit

"I feel wonderful every time I come in or do my online banking."

Ashlea D.
  • Free

    Part of our mobile banking app

  • Fast

    Funds hit your account quickly

People. Food. Animals. Cars

Convenient & Free Mobile Check Deposit

These are the four things people take pictures of the most. With the camera on your smartphone or tablet, you can also snap pictures of checks and deposit them into your Arsenal account anytime, anywhere, on our mobile app.

Our members love mobile check deposit

In 2020, our members deposited more than 33,000 checks and almost $12 million using this free service. Watch a short video on how to use it.

Watch Video

  1. 1


    After you download and login to the Arsenal app, select the Check Deposit option at the bottom of the screen. Choose which account to send to and enter the amount of the check.

  2. 2


    Take pictures of both the front and back of your check. You can choose to either auto-capture or manually snap a pic.

  3. 3


    After a short review period, the money will be deposited into your account for use.

Skip the line

Download the Arsenal app today and start depositing your checks whenever, wherever.


It takes roughly one to two business hours at max. Funds may be held on certain deposits. If you make a deposit at night or on the weekend, the funds will usually appear in your account the morning of the next business day (usually before 9:00 a.m.).
You must have an open and active savings account, mobile banking and be a member in good standing. Your account must also have a positive balance for the past 90 days.
You will endorse your checks with a signature. In addition, on the back of your check, you will have to write FOR E-DEPOSIT ONLY AT ACU.
The amount a user can deposit is based on tiers. Members enter a new tier based on successful transactions. Tier one starts at a $1,500 single-day deposit, while tier three starts at $10,000. Ask us for more information.
No. Some fraudulent loan companies will claim that they need your username/password to access Mobile Check Deposit to place funds in your account using a bogus check. When Arsenal receives these “checks,” we reject the deposits because they look suspicious. We also have to close your compromised account and have you come in to open a new one for safety reasons.
Mobile check deposit is free for both consumer and business accounts.

Still have questions?

Ask a question right now.

Ask a Question
Click, shop and save with My Rewards With the new Arsenal Credit Union My Rewards program, it's easier than ever to earn cash... Read

Start depositing today!