Mobile Banking & Deposit

Bank in a Few Clicks

Whether you’re on-the-go or taking it easy at home, we’re as close as your smartphone. Our mobile banking and deposit features offer the control and convenience you expect. To get started, sign up for mobile banking here. At this time, registration is only accessible through desktop or tablet sites. However, once you’ve registered, you’ll be able to pay bills, deposit checks, make transfers and much more!

Depositing a Check From Your Mobile Device

1. Make sure you’re signed up for online banking. If you haven’t, you can do so here.
2. Download our app from the iTunes store (iOS) or Google Play store (Android).
3. Log-in and tap the button that says, “Deposit a Check.”
4. Sign the back of your check and write, “For mobile deposit only to Georgia’s Own Credit Union” beneath your signature.
5. Tap the menu button (three straight lines) and tap “Deposit a Check.”
6. Tap “Deposit a Check” again to see your deposit history.
7. Choose the account you want to deposit the check in.
8. Enter the amount of the check.
9. Make sure the check is in focus and framed correctly, then take the picture.
10. Flip the check over and repeat the process to take a picture of the back.
11. Select “Deposit Check” to submit the check for review.
12. To make sure your check was accepted, follow these steps: After clicking “Deposit a Check” from the app menu, review your deposit history. Any deposits shown with a green check mark are good-to-go. If a deposit has an exclamation point inside a red triangle, you’ll be notified via the online banking message center as to why it was not approved. Any deposits with a clock are still pending approval.

If you have any questions or would like to see a tutorial, check out our FAQ page.

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Things to Know About Depositing Checks

You can deposit any type of check from a U.S. institution in U.S. Dollars using Mobile Check Deposit, as long as it is made payable to you and endorsed accordingly. Hold on to your check for 45 days to ensure proper processing, then rip it up and discard.

The first $200 of your deposit made before 2:00 p.m. ET on a business day will be available in your account by the end of the next business day with the remaining funds available one business day later. For example, if you submit a $1,000 check at 1:00 p.m. ET on a Monday, you’ll have access to the first $200 by the end of Tuesday and the remaining $800 on Wednesday.

The first $200 of your deposit made after 2:00 p.m. ET on a business day will be available in your account in two business days with the remaining funds available one business day later. For example, if you submit a $1,000 check at 6:00 p.m. ET on a Monday, you’ll have access to the first $200 by the end of Wednesday and the remaining $800 on Thursday.

Any non-holiday, weekday is considered a business day.

There are certain scenarios where we might place an extended hold on your check. We will let you know when those situations arise.

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