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1-2-Done Remote Check Deposit

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1-2-DONE. Mobile Check Deposit

Deposit checks using our free mobile app.

There’s no need to make a special trip to a branch, all you need is your smartphone or tablet and our free mobile banking app.

  • Login & click “New Deposit.” Enter the amount of the check you’re depositing.
  • Take a photo of the front and back (don’t forget to endorse the check!) and click submit.


Learn more about the convenience of depositing your check anywhere you go. 1-2-DONE!

Step By Step Guide

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  • Deposit a Check using the Mobile App

    The process of depositing a check is very simple. The iPhone is shown, but the Android app uses similar steps.

    1. Log onto the mobile or iPad app and touch the Deposits button.

    2. When you touch the Deposits button you will be taken to the Deposits screen.

    3. For a new deposit, touch the New Deposit button and you will be taken to the New Deposit screen.

    4. At the New Deposits screen, select which account the check will be deposited to, enter the amount of the check, and touch Continue.

      1. Note that because the iPhone App can only be connected to one account, checks can only be deposited to suffixes of that account. If you would like to deposit to a cross account you will have to deposit to the account that is tied to the mobile device and then transfer the money using PrivatePC.

      2. The iPad App is not tied to an account. If you have access to multiple accounts, you will be able to make deposits to all of those accounts.

    5. After touching Continue, you will be taken to the Capture Front screen. You must get the four corners of the check inside the gray lines on the screen. (Unlike the first example below.)

      When you have the check centered in the box and in focus, touch the camera button to take the picture. You will then be taken to the Preview Front screen.

    6. If the image is clear and all four corners of the check are visible, touch the Use Photo button.

      If not, you can touch the Retake button to take another picture. If the Use Photo button is touched you will be taken to the Capture Back screen.

    7. The process is the same as for the front of the check, except the app will look for what the vendor calls “Natural Ink,” meaning a handwritten signature. The squiggle you see here will work. However, a Stamp will not.

    8. After taking the picture, you will be taken to the Preview Back screen where you can use the photo or retake it. If you touch the Use Photo button, you will be taken to the Confirm screen.

    9. You must touch Yes to confirm the deposit and the module closes out.

    [Close Deposit a Check Using Mobile App Section]

  • View Deposit History

    From the Deposits screen you can view the deposit history by touching the View Deposit History button.

    1. Under Deposit History you can view all deposits or by view by status. There are three statuses: Pending, Failed and Accepted.

      1. Pending deposits have been successfully transmitted to the system and are awaiting approval. This will normally be two business days.

      2. Failed deposits have been turned away. You will receive an email detailing the reason.

      3. Accepted Deposits have been accepted by the system and processed. The funds should be available.

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  • Deposit a Check using the iPad App

    When using the iPad App the process is similar to the Mobile App, but there are some differences. The iPad App is not tied to an account, so if you have multiple accounts you can log onto any of them at any time.

    1. After logging on, look for the Deposits button at the top of the screen.

    2. Touch the Deposits button to open the Deposits screen.

    3. Select the account and enter the amount of the check as shown below:

    4. To take a photo of the front of the check, touch the Take Photo button under Check Front.

    5. As with the Mobile app, all four corners of the check need to be in the photo.

    6. Next, touch Use and view the Deposits screen.

      Notice that the photo of the check can be seen and the ✔ green checkmark is present in the “You still need to provide” box.

    7. Next, you will take a photo of the back of the check. Touch Take Photo under Check Back to photograph the back of the check.

    8. If the image is clear and contains all four corners of the check, touch Use to accept the image.

    9. When both sides of the check have been photographed, touch Deposit Now to deposit the check.

    [Close Deposit a Check using the iPad App Section]

  • Helpful Tips

    Here are some things you should know:

    1. The App needs to be able to find the four corners of the check. To photograph it, it should be on a flat surface that has a contrasting color. (Placing a mostly white check on a white counter probably won’t work, and holding it in one hand while shooting it with the other like they do in the commercials definitely won’t work.)

    2. The check must be endorsed by hand. If you use a “For Deposit Only” stamp, it does not work.

    3. There are limits on the amounts per transaction and total amounts per day. Please contact us if you need more information.

    4. If you need help, please contact us at 904-723-6300.

    [Close Helpful Tips Section]

Frequently Asked Questions:

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  1. What is Mobile/Remote Deposit?

    Mobile Deposit is a convenient, secure, and free service offered by 121 Financial Credit Union. Using your Smartphone or tablet, you can deposit your checks into your accounts through our Mobile app.

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  2. What are the requirements to use Mobile Deposit?

    Have a checking account here at 121 FCU in good standing and:

    • Be at least 18 years of age
    • Be enrolled in the mobile app
    • Other factors may also be considered.

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  3. Is there a fee to use Mobile/Remote Deposit?

    No, Mobile Deposit is a free and convenient service provided to 121 Financial Credit Union members. However, if a check is returned for any reason, all other fees and charges apply. Please refer our Fee Schedule for additional information.

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  4. How do I sign up for Mobile/Remote Deposit?

    Once you are enrolled in the Mobile App you will be automatically enrolled in 1-2-DONE. The system may take 24 hours to update the remote deposit icon within the Mobile App.

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  5. When will the funds be available?

    If deposit is made by member prior to 3:00pm $200 of deposit will be available the next day (Reg CC) the remainder of the deposit will be held for 2 business days.

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  6. Do I need to mail in the check that was deposited through Remote Check Deposit?

    No, you will be responsible to verify the status of the deposit via the mobile app and then destroy the check after 15 days from successful deposit transmission to 121.

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  7. Why is there a hold on the check?

    Due to the risk (not being able to inspect the item when presented) and the processing lag time.

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  8. I accidently scanned the deposit twice, what should I do?
    The system will catch the duplicate.

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  9. I’m a new member – is there a waiting period before I can use 1-2 Done Remote Check Deposit?

    No, you will be able to start using the Mobile Deposit as soon as the “Deposits” icon appears in the mobile app. (You must be enrolled with Mobile App.)

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  10. I need to pay my loan – can I deposit the check through Remote Check Deposit and then transfer it to my loan?

    While you can’t apply an item directly to a loan, you can use Private PC or our mobile app to transfer funds or make a loan payment after the check has been posted to your checking or savings account and funds become available. Keep in mind there are holds on Remote Deposits, so this could not be done immediately.

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  11. What types of accounts can I make deposits into using Mobile/Remote Deposit?

    Deposits can be made to your 121 Financial Credit Union checking or savings account(s).

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  12. What types of checks can be deposited using Mobile/Remote Deposit?

    Acceptable checks:

    • Single-party, domestic checks made payable to the owner(s) of the 121 FCU account.

    Unacceptable checks:

    • Savings Bonds
    • Foreign checks
    • Third party checks: check made payable to an individual not listed on the account.
    • Photocopies of checks
    • Checks written to you that are drawn on any other account you may have with 121FCU
    • Items stamped “non-negotiable”
    • Incomplete checks
    • Stale-dated or post-dated checks
    • Checks that contain evidence of alteration to the information on the check
    • Checks purported to be a lottery or prize winning
    • Checks previously submitted for deposit
    • Travelers Checks
    • “Comdata checks”
    • HELOC or Credit Card Cash Advance checks
    • Other types of checks that are deemed unacceptable after submitted

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  13. Are there any deposit limits?

    Yes, default deposit limits are set as follows and are subject to review and change at any time. Per Deposit Limit: $500.00 daily deposit limit for new members for the first 30 days then $2,000.00 daily deposit Limit. Existing members will have $2,000.00 daily deposit limit.

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  14. What are the mobile phone requirements for using Remote Deposit?

    Remote Deposit is available for iPhones, iPad and supported Android-powered smartphones.

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  15. How many checks can I deposit per day?

    There is no limit on the number of checks you may deposit per day; however, there are daily deposit limits.

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  16. When will Mobile Deposits be processed?

    All Mobile Deposits sent before 3:00pm EST will post with a two-day hold the same business day after processing time. Deposits sent after 3:00pm, on weekends, or holidays will be posted with a two-day hold the next business day after processing. (This is a really important point. If you make a remote deposit on Monday at 3:30pm, the deposit will NOT show in your balance until Tuesday after 4:00pm.)

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My life is so much easier with
1-2-DONE Mobile Deposit. I can deposit checks from anywhere I have an internet connection.