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Mobile Check Deposit Enhancement Frequently Asked Questions

With Mobile Check Deposit, you can electronically deposit checks from an iPhone, iPad, or Droid smart phone.

Frequently Asked Questions

I've just uploaded my check using Mobile Check Deposit - when will I see the credit to my account?

Deposits made before 3 p.m. EST will be credited to your account the same business day no later than 4:30 p.m. (if the item is accepted). Deposits made after 3 p.m. EST, or on weekends or holidays, will be processed the following business day and will be credited no later than 4:30 p.m. EST.

Once the deposit is credited to your account, you will have access to those funds per the credit union's Funds Availability Policy.

Is depositing my check with a mobile device safe?

Yes. The link between your mobile device and Online Banking is encrypted to industry standards. Your scanned check is secure and protected through this link.

What if my check doesn't have legible handwriting or the image is blurry?

If the system is unable to read the check information or the photo is distorted/not clear, you will receive a notification that states the image cannot be validated. We suggest you ensure that checks are handwritten clearly or include information that is typed. For the best image clarity, hold your smart phone directly over the over the check and not at an angle. Be sure to place the check on a dark surface to reduce glare and/or a reflection of your camera's flash.

If you receive a notification that your check cannot be validated, attempt to redeposit the check again or deposit it at any McGraw-Hill FCU branch.

I have a check made payable to someone else. Can I deposit it into my account?

No. This is considered a third-party check. Only checks made payable to the account holder(s) are accepted.

How many checks can I deposit at a time?

Only one check at a time is accepted - the system will reject an image if it contains multiple checks. If you wish to deposit more than one check, you may submit them individually during your session as long as the cumulative value does not exceed $5,000 a day.

Which of my McGraw-Hill FCU accounts can I make deposits?

You may deposit checks into your McGraw-Hill FCU savings or checking accounts.

How will I know when my check has been deposited?

After your check has been deposited, you will be prompted to send yourself an email notification. This is your electronic record that your item has been received. Once, the item has been reviewed by our system administrator, we will send you a second email that confirms that your deposit has either been 'Accepted,' 'Rejected,' or 'Adjusted' (if the inputted amount does not match the amount written on the check).

If the deposit is accepted, the amount will be posted to your account the same business day by 4:30 p.m. EST. Deposits made after 3 p.m. EST, or on weekends or holidays, will be deposited the next business day by 4:30 p.m. EST. You can also check your account history by logging on to Online Banking or through the standard mobile app feature.

What do I do with the check after it's been deposited?

We require that you store your original check in a safe place for up to 90 days. Do not write VOID across the front of it or destroy it until after this period. Be sure the check is not re-scanned or deposited elsewhere.

How do I verify my deposit was credited to my account?

You can verify that your account has been credited by reviewing your account balances within Online Banking.

How do I sign on to the app?

If you currently use Online Banking, simply log in with the same credentials. If you are not an Online Banking user, please enroll in Online Banking via a personal computer, download the app, and then enroll in Mobile Check Deposit.

To enroll in Online Banking, enter your Username (your member number) and your temporary password (the last four digits of your social security number) via the home screen at From there, follow the prompts and you will have an Online Banking account established within minutes. If you're still having trouble logging in, please contact our Member Care Team at 1-800-226-6428.


Standard App Frequently Asked Questions

Are the McGraw-Hill Federal Credit Union apps currently available to all users?

The McGraw-Hill Federal Credit Union apps are currently available to all Online Banking users who own an iPhone®, iPod® Touch, iPad® device, or DroidTM phone with access to 3G/EDGE or WIFI.

Is it safe to bank using the McGraw-Hill Federal Credit Union Mobile App service?

Yes. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information from online banking. All communication between your mobile device and the mobile banking server is encrypted. In addition, your password and account information are never stored on the mobile device.

How many transactions can I see on my phone at a time?

When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions.

What different kinds of funds transfers are available?

To complete a funds transfer, you must have more than one account in Online Banking. On the Transfers tab, you can enter an immediate transfer between your accounts. However, you are not able to view scheduled transfers on your phone, nor can you change or remove a scheduled transfer.

Why can't I access the Pay Bills tab?

The Pay Bills tab is only enabled for users who have signed up for the Bill Payment feature within Online Banking on a personal computer, and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone, select the Pay Bills tab to view scheduled payments and make a new payment.

Can I register for the Bill Payment feature on my phone?

Sorry, not at this time. Simply access Online Banking using a personal computer, click the Bill Pay button and enroll there. You may have automatically registered for the Bill Payment feature when you signed up for Online Banking. If so, all you need to do is set up one or more payees (people or companies you want to pay) to get started.

How do I make a payment using my phone?

First, select "Make a New Payment" from the Pay Bills tab. Next, select a payee name link from the list: Enter the amount of the payment, and the date to send/deliver the payment. Select the Schedule Payment button. A confirmation message is then displayed, select OK to continue.

Can I view pending payments?

Yes, just select the Pay Bills tab to see a list of pending payments.

Can I remove a pending payment?

Yes, you can remove a pending payment, but you cannot change it. To remove a pending payment, go to the Pay Bills tab, select the payment you want to remove and select the Cancel Payment button. Then confirm that you want to cancel the payment.

Can I see completed payments on my phone?

Yes. From the payee list, you can see the last payment associated with each payee.

How do I log out?

When you're ready to log out, select the Log Out button at the top right of the page and you will exit the McGraw-Hill Federal Credit Union Mobile App. This will return you to the login screen.

Is a password needed for the Mobile App?

Yes. From your mobile device, you will need to log-in to the McGraw-Hill Federal Credit Union Mobile App. This is the same as you would for Online Banking, using the same login information you do for Online Banking. No separate Mobile App sign-up is required.

I have disconnected my mobile phone. Will my service continue to work?

For the McGraw-Hill Federal Credit Union Mobile App to work, you must have a mobile device with access to the 3G/EDGE or WIFI networks.

Is help available through my mobile device?

Click the Contact Us tab to find our support phone number and email address. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.

What does the 'Remember Me' checkbox do?

Selecting the Remember Me checkbox gives the application permission to save your Username so that you do not have to enter it each time you attempt to log-in. This information is masked and stored securely to keep your information safe.

My session timed out rather quickly, can I change the timeout value?

Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and the McGraw-Hill Federal Credit Union Mobile App login page displays with a Session Expired message.

What is the transfer limit from account to account?

The transfer limit is $9,999.99. If you wish to transfer more, please use online banking or call 1-800-226-6428, and a member care team representative will assist you.

I completed a transfer, but the app states that my transfer is 'scheduled.' Did my transaction go through?

Be assured that your transfer was completed successfully. Newer versions of this app will contain clear language regarding the status of your transfer.

My transferred balance doesn't show immediately, upon completion of my transaction. Why does this occur?

Transfers may take up to 24 hours to register in your account summary. These transactions are completed immediately and can be seen via the online banking account summary screen or by logging out and logging back in to the app.

How do I download the mobile apps?

Droid users:

  1. Launch the Droid Marketplace on your device.
  2. Enter "McGraw-Hill FCU" in the search box.
  3. Select the application, tap FREE, then tap OK.

iPhone/iPad users:

  1. Launch the App Store on your device.
  2. Enter "McGraw-Hill FCU" in the search box.
  3. Select the application, tap FREE, then tap INSTALL.
  4. Enter your Apple ID login information, then tap OK.

Questions? Ask McClever.

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