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Frequently Asked
Questions


This page is for general questions about Mobile Access.

MOBILE DEPOSIT
Who is eligible?
How do I make a Mobile Deposit?
How do I sign up?
What are the deposit limits?
Which accounts can receive deposits?
What types of checks are accepted?
What types of checks are not accepted?
What is the cutoff time for deposits?
When will I receive my deposited funds?
Why must I endorse my checks "For Mobile Deposit Only"?
How long should I keep my checks?
What are the terms and conditions?


MOBILE ACCESS - GENERAL      
What are the features of Mobile Access?


You can check your balance, set up transfers, make bill payments, and deposit checks from your iPhone or Android smartphone.

What are the costs for Mobile Access?


Mobile Access is free.  Your mobile service carrier may impose data or usage costs.

How do I download the iPhone App?


Using your iPhone, open the Apple App Store and search for Community Financial Mobile Access, or click here.

How do I download the Android App?

Using your Android smartphone, open the Google Play Store and search for Community Financial MO, or click here.

MOBILE DEPOSIT      
Who is eligible?

Accounts open for 30 days with average balance of at least $200 and with a checking account in good standing.

How do I make a Mobile Deposit?

Click here for detailed mobile deposit instructions.

How do I sign up?

If your account is eligible, you will automatically have the option to make a mobile deposit.  If you feel that your account should be eligible, but do not have the option to make a mobile deposit, please contact Member Support through the secure message system or by calling (417) 862-0471.

What are the deposit limits?

Deposit limits vary by length of membership and average deposit balance.  Members will either have a $1,500 per check, $1,500 per day, and $5,000 per month limit, or a $3,000 per check, $3,000 per day, and $10,000 per month limit.  Limits are subject to CFCU discretion and can be changed at any time.

Which accounts can receive deposits?


Share accounts and checking accounts can receive mobile deposits.  Sub-shares cannot directly receive mobile deposits.

What types of checks are accepted?


At this time you can deposit the check types below if they are made payable to the account holder on file:

  • Checking
  • Savings
  • Certified checks
  • Money orders
  • Treasury checks
  • Travelers checks
What types of checks are not accepted?


  • Checks or items payable to any person or entity other than you (including third-party checks and checks with multiple payees)
  • Post-dated or stale-dated checks
  • Checks or items containing an obvious alteration to any of the fields on the front of the check or items which you know or suspect, or should know or suspect, to be fraudulent.
  • Checks or items not payable in United States currency.
  • Items drawn on Financial Institutions located outside the United States.
  • Items previously converted to a substitute check or those previously submitted for deposit either remotely or in person.
  • Items stamped 'non-negotiable'
  • Photocopies of checks
  • Incomplete checks
  • Checks drawn on the account they're being deposited into
  • Consumer loans, credit card, and mortgage payments
  • Starter, counter, or temporary checks
  • Savings bonds
  • Checks that require authorization
  • State-issued registered warrants
  • Checks from a closed account
  • Checks purporting to be a lottery or prize winning
  • Checks from 'Secret Shopper' offers
What is the cutoff time for deposits?


7:00 PM Central, Monday through Friday.

When will I receive my deposited funds?


You will receive either $200 or $1,000 immediately per day based on your account qualifications.  This amount will be indicated on the mobile deposit screen, and after a deposit is made, it will be indicated on the transaction screen.

The remaining funds, if deposited before 7:00 PM, will be held for two business days.  Funds deposited from 7:00 PM until midnight will be held for 3 days.  All holds, and the date the funds will become available, can be viewed on the transaction screen.

Why must I endorse the checks "For Mobile Deposit Only"?


This endorsement reduces the chance that a check that is mobile deposited is also deposited at a CFCU branch, or another financial institution, in person.  Checks that do not include "For Mobile Deposit Only" on the back all on one line directly below your signature, will be rejected.

How long should I keep my original check after mobile depositing it?


After you receive confirmation that your deposit has been accepted, securely store your check for two weeks.  After two weeks, write void on the check, cross cut shred the check, and dispose of the check.

If necessary, we may request that you deliver the original check to us within two business days.  If not provided in a timely manner, such deposited amount may be reversed from your account.

What are the terms and conditions of Mobile Deposit?


The latest terms and conditions for Internet Banking and Mobile Deposit can be found here.


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