This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Members First CU of Florida Go to main content
Become A Member Apply for a Loan Branches ATMs
Home > Tips for Taking Good Check Photos for Mobile Deposit
Tips for Taking Good Check Photos for Mobile Deposit8/21/2023

woman taking photo of check

If you're using the Members First Credit Union of Florida mobile app to manage your account(s) from your smartphone, you're familiar with the benefits that come with managing your finances remotely — one of those being mobile check deposit. Making deposits from anywhere on your time is one of mobile banking's most convenient features. However, it can be a bit tricky to get a clear image of the check you want to deposit. To help you get a reliable check image all the time, we're sharing a few tips for taking good photos for mobile deposit.

1. Endorse Your Check

For your mobile deposit to be approved, it's important that you remember to endorse the back of your check. Sign the back of your check with your name along the signature line and write "Mobile Deposit Only Members First CU" below your signature. If the check is made out to your name and your spouse's name, make sure your spouse also signs the back of the check. In addition, for checks to be approved they must be payable to an account owner. Third party deposits (ex: a check made out to a friend and signed over to you) are not allowed.

2. Remove Other Objects from View

To take a valid picture of your check, clear the area around your check before you take a photo of it. If your check is attached to a pay stub or piece of paper, detach it before taking a photo. Any stray items in the image can cause your check photo to be rejected.

3. Adjust for Lighting

Dimly lit photos can cause your check photo to be rejected. When you're taking a photo of your check for mobile deposit, make sure you are in a well-lit room. Take photos against a solid background and avoid using a shiny surface as your background as it could reflect light and wash out your photo. Also, we recommend turning off your phone's flash as it could cause unwanted shadows or make the check image too light. 

4. Position Your Phone Properly

Position your body or your phone in a way that you avoid casting a shadow over the check. To get the best results, hold your smartphone directly above the check. If the image on your screen looks blurry, tap the image of your check or slowly move closer or further back to change what your device is focusing on.

5. Capture the Entire Check

Look at the guide on your screen to indicate where the check should be in relation to your phone while you're taking a picture of it. You'll want to make sure that all four corners of the check are within the guide.

6. Confirm Approval and Hold Onto Your Check

The Members First mobile app will confirm when your check image has been uploaded for processing, but that does not mean that the check has been cleared and the money is in your account. That's why you'll want to monitor the progress on our mobile app. While your checks are being processed, they can still be rejected for poor image quality, missing information, or insufficient funds (if the check bounces). Do not void, shred, or dispose of your check until it clears. It is recommended that you keep your check in a secure location for 60 days. After 60 days, void and shred your check.


Deposit Checks In A Snap

Learn More


How Useful Did You Find This Information?

Let Us Know

Powered by Delighted.






« Return to "Blog" Go to main navigation
I Want To
I Want To
Loan Center
Loan Center
Credit Cards
Credit Cards
Special Offers
Special Offers
Members First CU of Florida
NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.


Any external links or websites to alternative sites are not operated by Members First Credit Union of FL. We are not responsible for the content of the alternate site or their accessibility standards.