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personal services

Mobile Check Deposit

OUCU Mobile Check Deposit makes it easy and convenient for you to deposit checks anywhere, anytime from your camera-enabled mobile device.

Anytime, Anywhere – deposit checks 24/7 without making a trip to an OUCU or Shared Branch location
Fast – your deposits may be credited the same business day if deposited by 3:30 p.m.
Secure - uses the same security features as mobile banking
Free – there is no fee to use this service*

How to Use Mobile Deposit

1. You must have an OUCU checking account and be enrolled in online banking.
2. Log in to Mobile Banking at https://mobileolb.oucu.org, or use our iPhone or Android app
3. On the main menu, tap "Check Deposits"
4. You must agree to terms and conditions
5. Tap "Deposit a Check" to begin the deposit process

NOTE: Please write on the back of the check in the signature area - MOBILE DEPOSIT ONLY.

Photo Tips to ensure success:

  • Checks should be place as flat as possible in horizontal/landscape orientation on a contrasting non-reflective plain background – preferably black.
  • Be sure you have endorsed the back of the check with your signature or ‘for mobile deposit only’
  • Hold the camera directly above the check, getting as close as possible while keeping all four corners of the check in view
  • Follow the on-screen, step-by-step instructions to take a photo of the front and back of your check
  • If you have a device other than an iPhone/iPad or Android device, you will need to take a picture of the front and back of the check before starting the process. For example, if you have a Blackberry, you will need to take a picture of check, log in to mobile banking, then select the photos you have taken to complete the transaction. Your camera will not work during the deposit process.
  • Verify and enter the check amount
  • Your check will then be processed and deposited
    What are some reasons your check deposit may be rejected?
    •  Improper endorsement
    •  Missing signature
    •  Third-party item
    •  Non-negotiable/unacceptable item
    •  Written/numeric mismatch
    •  Check alterations
    •  US funds required  Check holds may apply and a portion of your check may be available for immediate credit.

If you have issues or questions, please contact us at 800-562-8420 or 740-597-2800 or memberservices@oucu.org.


Some eligibility restrictions apply. Funds availability subject to certain terms and conditions. For complete details, read the Mobile Deposit Agreement.

* You may be charged for web access by your mobile carrier. Check with your carrier for details on specific fees and charges.