Mobile App with Mobile Deposit

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MOBILE APP FREQUENTLY ASKED QUESTIONS

What can I do with the Cloverbelt Credit Union mobile banking app?

The FREE mobile banking app is a convenient way to access your Cloverbelt Credit Union savings and checking accounts using an Android, iPhone or other compatible device. You’ll be able to check account balances, make account transfers and payments, view your transaction history, utilize Bill Pay and use Mobile Deposit to deposit checks.

What are the minimum requirements for using the app?

You must have at least an Android 2.4 or iPhone 3.3 device to use the app. Other compatible devices may also work with the app.

How do I access my account using the app?

Members who already use CU-Online can download and start using the app with their existing password. You’ll find our app in the Andorid and iPhone app stores by searching for “Cloverbelt.” After you read and accept the agreements, you can begin using the service.
If you do not already use internet banking, you must first get a temporary password by stopping in or calling us at (715) 842-5693, Monday through Thursday, 8:30 am to 4:30 pm or Friday, 8:30 am to 5:00 pm. You can then log onto the CCU website at ccuwausau.com from your computer to complete the CU-Online internet banking enrollment process. Your initial enrollment must be done on a non-mobile device.

I forgot my password – how do I access my accounts?

You can reset your password through the CCU website (desktop or mobile access) but NOT using the app. You can also call us at (715) 842-5693, verify your identity and request a password reset.

If I lose my phone, can someone else access my accounts?

No. The app does not store your account number or password, both of which are needed to access your accounts. If you lose your phone you can call us at (715) 842-5693 and we can disable your device from being able to access your accounts.

I have an email or phone number change, what should I do?

It is important that your current email address and phone number be on file with both CCU and within CU-Online internet banking.   This will allow us to quickly contact you in the event there is a question about your account or a check you are attempting to deposit using our Mobile Deposit service.

If your contact information has changed or to verify that we have the correct information on file, contact any CCU office. In addition, you must update the information within your CU-Online internet banking account. Updating the information in one place does not automatically update the other.

More information can be found in the Mobile Banking User Agreement and Disclosure below. If your question is not answered in the Agreement or these FAQs, stop in or call us at (715) 842-5693 Monday through Thursday, 8:30 am to 4:30 pm or on Friday, 8:30 am to 5:00 pm.  

Mobile Banking User Agreement and Disclosure

Agreement: This agreement contains the terms that govern your use of the Cloverbelt Credit Union (“CCU”) Mobile Banking website and Mobile Banking application (“app”) service.   You may use Mobile Banking to access your accounts on a compatible mobile device. By using Mobile Banking, you are agreeing to the terms of this Agreement, which supplements the Account Agreement and Disclosures provided at account opening.   Review these documents carefully as they include transaction limitations and fees which may apply to your use of Mobile Banking.

Other Agreements: CCU does not charge a fee for using Mobile Banking or downloading the Mobile Banking app.   Your mobile carrier may assess text messaging and/or web access charges, which you agree to be responsible for.   Your mobile carrier is solely responsible for its products and services and you agree to resolve any problems with your provider directly without involving us.

You agree to maintain your current street address, email address and phone number both with the credit union and within CU-Online internet banking.   Updating your address in one location does not automatically update the other location. Current information is needed if we need to contact you for issues related to your account, your use of CU-Online internet banking, Mobile Banking or Mobile Deposit. Failure to provide accurate information may result in transactions not being completed or service(s) being disabled.

Account Ownership: You represent that you are the legal owner of the accounts and other financial information that may be accessed using Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete. You agree to not misrepresent your identity or your account information. You represent that you are an authorized user of the device used to access Mobile Banking.

Description of Service: Mobile Banking is offered as a convenience and is a supplement to our CU-Online internet banking service. Mobile Banking allows you to access your CCU account information, transfer funds, view balances, view account history and pay bills (Bill Pay is a free service if at least one bill is paid each month). To utilize the Mobile Banking app, you must first be enrolled in CU-Online internet banking, which can be found at our website at www.ccuwausau.com or mobile.ccuwausau.com. We reserve the right to, at any time, limit the types and number of accounts eligible for Mobile Banking, to modify the scope of the service and to cancel the Mobile Banking service or your access to it.

Mobile Banking may not be accessible or may have limited use over some network carriers. In addition, the service may not be supported by all devices. CCU cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues.

Use of Service: You agree to accept responsibility for understanding how to use Mobile Banking and for knowing how to properly use your device. CCU will not be liable to you for any losses caused by your failure to understand and/or use the service or your device nor for any losses caused by the failure or inability of your device to access your accounts or complete transactions.

User Security: You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree you will not give out account information, user name or password, leave your device unattended while logged into Mobile Banking, allow your device to store your user name or password or leave account information in view or range of others. You also agree to log out of Mobile Banking completely if you are using a public device.

We are entitled to act on instructions received via your user name and password. If you allow access to your accounts using Mobile Banking to an unauthorized user, you will be responsible for any transaction they authorize and we will not be liable for any damages as a result.

Termination of Service: CCU reserves the right to terminate Mobile Banking for individual members, with or without cause and without prior notice. This may be due to issues related to fraud or suspected fraud, misuse or abuse of Mobile Banking or a CCU account, repeated incorrect attempts to enter a username or password, failure to correctly answer security questions or other login failures, which may be an indicator of fraud.

Equipment and Software: Use of the Mobile Banking app requires at least an Android 2.4 or iPhone 3.3 device.   Other compatible devices may also work with the app. CCU does not guarantee that your device or mobile carrier will be compatible with the Mobile Banking app.

Mobile phones and other devices with internet capabilities are susceptible to viruses. You are responsible to ensure that your device is protected from and free of viruses, worms, Trojan horses or other harmful components (collectively referred to as “viruses”), which could result in damage to programs, files and/or your phone or could result in information being intercepted by a third party. CCU will not be responsible or liable for any indirect, incidental, special or consequential damages, which may result from viruses. CCU will also not be responsible if any non-public personal information is accessed via Mobile Banking due to a virus affecting your device at any time or from any source.

MOBILE DEPOSIT FREQUENTLY ASKED QUESTIONS

What is Mobile Deposit?

Mobile Deposit is the ability to deposit checks to your Cloverbelt Credit Union checking account using our FREE Mobile App that has been downloaded onto an Android, iPhone or other compatible device. Members can take a picture of the front and back of their check and submit the image for credit to their account.

Who is eligible to use Mobile Deposit?

Member must be enrolled in CU-Online internet banking to use the mobile app and Mobile Deposit. Other requirements may also apply. CCU reserves the right to block or terminate this service, either temporarily or permanently, with or without cause at any time.

How do I enroll in Mobile Deposit?

Download the Mobile App and agree to the Mobile Banking and Mobile Deposit User Agreements, then begin using the service.

How should I endorse my check?

Sign the back of your check and below your signature write “For mobile deposit only to CCU account # (write account number). Checks not endorsed properly may be declined.

How do I make a deposit?

Once logged in, choose your checking account, tap the camera icon, (if you have multiple checking accounts, you must again select the checking account for deposit), enter the check amount, take pictures of the front and back of your check, review and submit.

What type of checks can I deposit?

You can deposit most checks that are payable to you and drawn in U.S. dollars on a U.S. financial institution.

What types of items cannot be deposited?

  • Checks payable to someone other than an owner of the account being deposited to
  • Checks that have been previously deposited remotely to CCU or another financial institution
  • Checks that have been altered or that you do or should know/suspect to be altered or fraudulent
  • Savings bonds
  • Credit card convenience checks

A complete list of ineligible items can be found in the Mobile Deposit User Agreement

Is there a dollar limit that I can deposit?

Yes. The limit is $1500 per day and $6000 per month.

How will I know if I have taken the picture correctly?

The Mobile App will check the picture for quality. If the quality is poor or the entire image is not visible, the app will ask you to retake the picture.

How will I know when my deposit has been made? Will I have immediate access to my funds?

When an acceptable image is submitted, it will be acknowledged within the app. This acknowledgement does not mean that the check will be accepted for deposit, only that the image was submitted to us. Deposits will appear in your account history after they have been posted, which is generally within 2 business days after being acknowledged. CCU’s regular check hold procedures will apply to checks received by Mobile Deposit.

What should I do with the paper check after it’s been submitted?

You must be able to produce the original check if it is needed by CCU or another financial institution to aid in the clearing process.   Keep the check in a safe place for 30 days then dispose of it in a secure way, such as by shredding.

Are there reasons why my check deposit would be rejected?

Deposits may reject for various reasons such as for being over the dollar amount limit, the image being unreadable, a missing endorsement, etc. If your check is rejected for any reason, a CCU staff member will notify you by email, phone or letter. If your check will not image or is rejected, bring it to any CCU office to attempt to have the check deposited.

My email or phone number has changed, what should I do?

It is important that your current email address and phone number be on file with both CCU and within CU-Online internet banking.   This will allow us to quickly contact you in the event there is a question about your account or a check you are attempting to deposit using our Mobile Deposit service.

If your contact information has changed or to verify that we have the correct information on file, contact any CCU office. In addition, you must update the information within your CU-Online internet banking account. Updating the information in one place does not update the other.

More information can be found in the Mobile Deposit User Agreement below.   If your question is not answered in the Agreement or these FAQs, stop in or call us at (715) 842-5693 Monday through Thursday, 8:30 am to 4:30 pm or on Friday, 8:30 am to 5:00 pm.  

Mobile Deposit User Agreement

Agreement: This Mobile Deposit User Agreement (“Agreement”) contains the terms and conditions for the use of the Cloverbelt Credit Union (“CCU”, “us,” or “we”) Mobile Deposit service (“Service”) we may provide to you (“you,” “your” or “User”). Other agreements you have entered into with CCU, including the Your Account Agreement brochure and other disclosures governing your CCU account, are incorporated by reference and made a part of this Agreement.

Service: The Mobile Deposit service is designed to allow you to make deposits to your checking accounts (some limitations apply) using your mobile device by creating a digital image of checks and delivering the images and associated deposit information to CCU or CCU’s designated processor. To use the Service, you must first download and install the CCU Mobile Banking app on your compatible mobile device. Refer to our Mobile Banking Agreement and Disclosure for information and limitations relating to that service.

IMPORTANT: All checks must be endorsed by the accountholder/payee as “For mobile deposit only to CCU account # (enter checking account number)”. Checks not endorsed properly may be declined. See Endorsement and Procedure section below for more information.   Checks will generally be deposited to your account within 2 business days unless the check does not meet quality or other standards.   See Receipt of Items section below for more information.

Acceptance of these Terms. Your use of the Service is your acceptance of this Agreement. This Agreement is subject to change as needed. We will notify you of any material change via e-mail, on our website, in our newsletter or by another method and will provide a copy or a link to the revised Agreement. Your continued use of the Service will indicate your acceptance of the revised Agreement. Further, CCU reserves the right to change, modify, add or remove portions of the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service.

Limitations of Service: When using the Service, you may experience technical or other difficulties including unavailability of the service due to maintenance downtime or lack of Internet service. We are not responsible for any technical or other difficulties or any resulting damages that you may incur. It is your responsibility to determine if your mobile device is compatible with use of the Service.

Eligible items: You can deposit most checks that are payable to you and drawn in U.S. dollars on a U.S. financial institution. You agree that you will not use the Service to deposit:

  1. Checks that were previously deposited by Mobile Capture at CCU or at another financial institution.
  2. Checks drawn on your account at CCU or at another financial institution.
  3. Checks payable jointly, unless deposited into an account in the name of all payees
  4. Credit card convenience check and savings bonds.
  5. Checks that have been altered or that you do or should know/suspect to be altered or fraudulent
  6. Checks marked “non-negotiable”.
  7. Checks that are dated more than six months prior or that have a future date.
  8. Checks prohibited by CCU’s current procedures which are otherwise not acceptable under the terms of your CCU account.

Image Quality: The front and back images of an item transmitted to CCU using the Service must be complete and legible. The image quality must meet the standards established by ANSI, the Board of Governors of the Federal Reserve Board and any other regulatory agency, clearinghouse or association.

Endorsement: The accountholder/payee must endorse each item transmitted through the Service with their signature followed by “For mobile deposit only to CCU account # (write account number). Checks not endorsed properly may be declined.

Receipt of Items: Upon receipt, the image will be reviewed for acceptability. The image is considered received by us when it is acknowledged within the App. Our acknowledgment does not mean that the image contains no errors and will be deposited, only that the image has been received. Items will generally be posted to your account within 2 business days. We reserve the right to reject any item transmitted through the Service, at our discretion, without being liable to you. We are not responsible for items we do not receive or for images that are dropped during transmission.

Availability of Funds: In general, funds will be available for your use as soon as the deposit has posted to your account. Our normal check hold procedures apply to items deposited using the Service. In certain circumstances, we may use a check hold to delay availability of the funds. In this case, we will notify you when the funds will be available.   We will not be liable for any costs or fees you incur when attempting to access funds that have not been made available to you.

Items Returned Unpaid: Items are deposited to your account as a provisional credit and you agree to indemnify us against any loss we suffer because of our acceptance of the check. In the event a deposited item is dishonored, the amount will be debited from your account (the account of deposit or any other account in your name at CCU) and the Returned Check fee, as listed in our Fee Schedule, will be assessed. With our approval, check images that are returned for image quality adjustments may be re-submitted on paper to CCU to be reprocessed; they may not be re-deposited remotely.

Disposal of Transmitted Items Upon acknowledgment from CCU that we have received the image of an item, you agree to securely retain the original item for 30 days and to then to securely dispose of the item. You further agree to never re-present the item either in paper or electronic form. You will promptly provide any retained item, or a sufficient copy of the front and back of the item, to CCU as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item or for CCU’s audit purposes.CCU is not responsible for the loss of the original item due to the secure disposal requirement contained in this Agreement.

User Warranties: By using the Service, you make the following warranties:

  1. Each image of a check transmitted is a true and accurate representation of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
  2. The amount, payee, signature(s) and endorsement(s) on the original check are legible, genuine and accurate.
  3. You will not deposit or otherwise endorse to a third party the original check so as not to re-present a check that has already been processed and/or paid.
  4. Other than the digital image of an original check, there are no other duplicate images of the original check.
  5. You have possession of each original check deposited using the Service and no party will submit the original check for payment.
  6. You agree to indemnify and hold harmless CCU from any loss for breach of this warranty provision.
  7. Images transmitted by you will contain no viruses or other disabling features that may have an adverse impact on the CCU network, data or related systems.

Errors: Notify CCU of any suspected errors regarding items deposited through the Service right away but in no event later than 60 days after the CCU account statement on which the error appears is sent or available to you. Unless you notify CCU within 60 days, all deposits made through the Service shall be deemed correct and you are prohibited from bringing a claim against CCU for an alleged error.

Termination: CCU reserves the right to terminate Service, either temporarily or permanently, in whole or in part, at any time, with or without cause and without prior written notice. You may terminate this service at any time by notifying us in person, by phone at 715 842-5693 or by mail at PO Box 659, Wausau WI 54402-0659.

Ownership & License: CCU retains all ownership and proprietary rights in the Service, associated content, technology and website(s). Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to CCU’s business interest or (iii) to CCU’s actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service.

DISCLAIMER OF WARRANTIES: YOU AGREE YOUR USE OF THE SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE AND (iv) ANY ERRORS IN THE SERVICE OR TECHNOLOGY WILL BE CORRECTED.

LIMITATION OF LIABILITY: YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE OR THE TERMINATION OF THE USE OF THIS SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF CCU HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

Other terms: You may not assign this Agreement. This Agreement is entered into in Wausau, Wisconsin and shall be governed by the laws of the State of Wisconsin and of the United States. A determination that any provision of this Agreement is unenforceable or invalid shall not render any other provision of this Agreement unenforceable or invalid.