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Receive and pay your bills electronically all in one place and all from your smart phone.
Find a Branch
Find one of our branches and get directions to us within seconds with our find a branch feature.
Save time and deposit checks on the go with your smart phone.
Remote deposit services enable you to use Morton Lane FCU’s Mobile Application and Mobile Devices approved by us to:
I. create electronic images of the front and back of qualifying deposit items
Ii. Transmit those images and other information including without limitation, information captured from the magnetic ink character recognition (“MICR”) line, to us for review and processing
All checks must be legibly written and provide all information necessary on the from and back of the check at the time presented
The check must be endorsed “For Electronic Deposit Only” or equivalent, and include payee’s signature
The payee’s name must be on the deposit account
Must have the following information:
The information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s)
Other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check.
The image quality for the check will meet the standards for image quality established by the American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house, or association.
After you complete your transaction, write “Deposited” and the date of deposit on the face of the check
Please retain the marked check for 30 days after you deposit in case we need to review it for any reason, and then destroy it.
Deposits received before 3:00 p.m. (Eastern Time) on a business day the Credit Union is open will be credited to the account on the same business day. Deposits received after 3:00 p.m. (Eastern Time) or any day the Credit Union is not open, including holidays, will be credited the next business day.
A five day business hold will be placed on all Mobile Deposits.
Morton Lane FCU’s policy is to make the funds from an image of an item you submit through the service available to you five business days after the item posts to your account.
Funds you deposit by check may be delayed for a longer period under the following circumstances:
Morton Lane FCU believes that the check you deposited will not be paid;
You deposit checks totaling more than $3,000 on any one day;
You redeposit a check that has been returned unpaid;
You have overdrawn the account repeatedly in the last six months;
There is an emergency such as a failure of communication or computer equipment;
You deposit a check into a new account during the first 30 days.
Maximum single check deposit amount: $25,000
Maximum number of daily remote deposit items: 10