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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 2021, our members deposited more than 36,000 checks and over $13 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.



Being able to deposit a check using your mobile phone is incredibly convenient. You can deposit checks anywhere and at any time, so long as you have access to your phone and an internet connection. This increases the flexibility of where and when you get work done, all while reducing the need for additional trips to the bank.

Avoid Waiting in Line

In addition to being more flexible, depositing a check using your mobile phone is much faster than going to the bank. It can be as simple as snapping a photo of your review and uploading it via the app. This process doesn't require you to wait long periods or go through extensive security protocols to access your bank account. This makes it much more suitable for busy individuals who don't have much free time to wait around at the bank.


Security will always be a central concern when it comes to mobile banking, and Arsenal Credit Union has you covered! We use industry-standard encryption protocols to protect your account information and prevent unauthorized users from accessing it. The ability to deposit checks using your mobile phone is a significant convenience and can save you time and money in the long run. Make the most of your free time and manage your money conveniently with Arsenal Credit Union—get the app today!
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.

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