Online & Mobile Banking

About Mobile Deposit

Have a check you need to deposit? Bypass the branch, avoid the ATM, say no to the night drop, stash your envelope and stamp. With the Go Energy Financial mobile app and your device’s camera, snap a couple photos of your check, enter the deposit details into the app, submit, and… Done! That’s it.

What are you going to do with all that free time?

Here’s one note about processing and funds availability: Mobile deposits made before 3:00 p.m. Monday–Friday are available same day; deposits made after 3:00 p.m. weekdays or on weekends will be available on the next business day after 4:30 p.m.

Frequently Asked Questions About Mobile Deposit

• What are the fees for Mobile Deposit?
  

  Zero/Zilch/Zip/Nada. That’s right, there is no fee for this great service. (Not just great: it’s the best thing since sliced bread!) An exception: If a check cannot be processed or someone gives you a bad check that you deposit, there may be a fee. We explain how that works in our Membership Agreement. Or give us a call for details.

• What is Mobile Deposit?
  

  Mobile deposit is a way for you to deposit checks wherever you are. You can deposit a check into your Go Energy checking account using your mobile device’s camera and our mobile app.

• When can I access the money that I have deposited?
  

  If you deposit a check before 3:00 p.m. Monday through Friday, you’ll have access to your funds that same day. If you deposit the check after 3:00 p.m. Monday through Friday, you’ll have access to your funds the next business day after 4:30 p.m.

• Do I need to sign anything before I can start using Mobile Deposit?
  

  You do not have to sign anything. Enrollment is automatic for online banking users with our mobile apps.

• How do I begin using Mobile Deposit?
  

  Download the Go Energy app and begin managing your accounts from your mobile device. You are automatically enrolled in mobile deposit.

• What type of checks can I deposit into my account using mobile deposit?
  

  Your check must be payable to you, endorsed on the back, and drawn off of a U.S. financial institution.

• What is the maximum amount I can deposit using mobile deposit?
  

  You may deposit up to $5,000 per day. No check can be for more than $5,000. If your check is for more than $5,000, please deposit it by seeing us in person, mailing the check, or visiting one of our shared branches.

• Can I make multiple deposits into my account in one day?
  

  Yes, you can make multiple deposits in one day; however, the maximum total for one day is $5,000. For deposits larger than $5,000, please visit us, mail the check to the office, or stop by a shared branch.

• Will holds be placed on checks when I use mobile deposit?
  

  We all hate holds, but sometimes they are necessary. We apply the same hold policies to mobile deposits that we do to in-person deposits. Usually your deposit will not be subject to a hold, but it may in some cases. For more information about funds availability, feel free to visit, email, or call us.

• What should I do with a check once it has been deposited using mobile deposit?
  

  Keep the actual check for 60 days after your deposit. After 60 days, you may shred, burn, vaporize, or otherwise discard the check.

• The amount I entered for a deposit is different from the amount credited to my account. What happened?
  

  After we reviewed the deposited check, we determined that the amount entered in the app was different from the written amount on the check. If you think an adjustment was done in error, please call us and we can review the transaction together.

• Do I need a deposit slip to make a deposit?
  

  Nope.

• Can I make a mobile deposit directly into my savings account?
  

  No, not directly into savings. However, you can deposit the check into your checking account and then transfer the money into your savings from within the mobile app.

• Who is eligible to use Go Energy’s mobile deposit service?
  

  If you are at least 16 years old and a Go Energy member with a checking account, you may use mobile deposit. There is no obligation and you may cancel at any time. If you have questions about your qualifications, please contact us.

• Have any tips for using mobile deposit?
  

  When taking a photo of your check, please make sure the check is flat and smooth, and there are no shadows on the check. If your check went through the wash, you may need to bring it in.

  Take the photo on a dark surface and keep all four corners of the check visible in the image.

  Your image must be in focus and the numbers on the bottom of the check must be readable. Soft focus and mood lighting is not recommended.