Security Corner Blog

Share:

Safely Using Mobile Check Deposit: Tips to Protect Your Information

Published: August 28, 2025

Safely Using Mobile Check Deposit: Tips to Protect Your Information

For members who don’t live near one of our branches, depositing a check in person isn’t always an option. Thankfully, with the myUSSFCU Mobile App, you can securely deposit checks anytime, anywhere — right from your smartphone or tablet. Mobile check deposit is fast, convenient, and safe when you follow a few simple steps to protect your information.

What Is Mobile Check Deposit?

Mobile check deposit is a feature within the myUSSFCU Mobile App that allows you to remotely deposit personal, business, and government checks into your USSFCU checking or savings account by snapping a photo of the front and back of your check. It’s designed to save you time, reduce branch visits, and make banking on the go easier.

How Mobile Check Deposit Works

Thanks to the Check Clearing for the 21st Century Act, financial institutions like USSFCU can process checks electronically using secure images instead of physical copies. Through a process called remote deposit capture, your check image is encrypted, transmitted, and processed quickly — without needing to mail or drop off the original.

How to Deposit a Check in the myUSSFCU Mobile App

Follow these simple steps for a successful deposit:

  1. Log in to the myUSSFCU Mobile App
    Select Deposit Checks from the main menu.
  2. Endorse Your Check
    Sign the back and write:
    “For Mobile Deposit Only at USSFCU”
  3. Take Clear Photos
    Use good lighting and a dark, flat background. Make sure:
    • All four corners of the check are visible
    • The image isn’t blurry or shadowed
    • The writing is legible
  4. Verify Your Deposit Details
    Confirm the check amount and choose the correct USSFCU account before submitting.
  5. Submit & Save
    Tap Deposit and keep your paper check in a secure location until you see confirmation that funds have cleared. Once confirmed, shred the check to protect your information.

Security Features That Keep You Safe

Your security is always our priority. The myUSSFCU Mobile App uses:

  • Advanced encryption to secure your data during transmission
  • Multi-factor authentication to verify your identity
  • Fraud detection tools that flag suspicious activity
  • Manual review for deposits that may need extra verification

Beware of Mobile Deposit Scams

While mobile check deposit is safe, scammers may try to exploit it. Common scams include:

  • Job Scams: Fake employers send you a “paycheck” and ask you to send back part of the funds.
  • Online Marketplaces: Fraudsters send a check for more than the purchase price and request a refund of the difference.
  • Fake Contests or Prizes: You’re told you’ve “won” but must deposit a check and send back a fee or taxes.
  • Romance or Relationship Scams: Scammers posing as friends or partners send fraudulent checks and ask for quick returns.

If someone you don’t know sends you a check and asks you to send money back — it’s a scam. Always trust your instincts and verify before depositing.

How to Protect Yourself

  • Never share your login credentials with anyone.
  • Don’t deposit checks from strangers — even if they “look official.”
  • Turn on account alerts in the myUSSFCU app to monitor your balances in real time.
  • Check your accounts frequently to catch fraudulent activity early.
  • Contact USSFCU immediately if you suspect fraud: (800) 374-2758.

Final Thoughts

Mobile check deposit with USSFCU is a secure, convenient way to manage your money — and with a few simple precautions, you can confidently bank on the go.

Article content is provided for information purposes only.

View all posts

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

Read More testimonials.