Mobile Deposit | Town & Country Credit Union

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Town & Country Credit Union

Town & Country Credit Union

Offices Closed Friday, July 3 and Saturday, July 4, 2020

Our offices will be closed on Friday, July 3 and Saturday, July 4, in observance of Independence Day. This will include all locations as well as our contact center. Additionally, incoming wires and checks deposited using mobile deposit capture on Friday will not be deposited into accounts until Monday, July 6.

COVID-19 Update

Our lobbies are now open, with the exception of our Fargo Sanford location which will remain temporarily closed due to visitor restrictions at the Sanford Broadway Medical Center.

We're asking you to join us in taking precautions to help keep all of us healthy:

  1. Use the hand sanitizer that's available near the entrance.
  2. Maintain a 6-foot distance whenever possible. Stickers have been installed on the floor for you to stand on while waiting in line.
  3. Plexiglass germ guards have been installed on our teller lines. Please stand behind them while conducting your business.
  4. Masks are allowed, but not required in our branches. If you do choose to wear a mask, we ask that you do not wear anything else that would obstruct the view of your face such as a baseball cap, sunglasses or a hood.
  5. Do not come in if you’re feeling sick. Give us a call or access your account online to conduct your business.
  6. If you need to meet with an account opener or loan officer, call us to make an appointment by calling 1-800-872-6358. When you get to the branch, wait in your car until your scheduled appointment time.

We’re looking forward to serving you in our branches, but also understand that some of you may prefer a no-contact method of conducting business. You can still open an account or apply for a loan online, access your accounts through TCCU Online and our mobile app, or give us a call to make a transfer, loan payment or more. 

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Mobile Deposit

Here are a few FAQ's to help you get started with using Mobile Deposit." data-share-imageurl="">


Mobile Deposit, also called Remote Deposit, is a safe and secure way to electronically deposit checks from your mobile device using the Town and Country CU Mobile App. Skip your next trip to the branch and deposit your check from the comfort of your own home! 

Watch this quick video to see how it works! 

Here are a few FAQ's to help you get started with using Mobile Deposit. 

How do I know if I am eligible to use Mobile Deposit?

  • Town & Country Credit Union members who are enrolled in TCCU Online have access to Mobile Deposit. Before depositing your first check, you must read and accept the Mobile Deposit Services Agreement within the mobile app. 

How much does it cost to use Mobile Deposit? 

  • Nothing! Town & Country Credit Union does not charge a fee for members to deposit a check electronically using the app. 

Is Mobile Deposit Secure?

  • Mobile Deposit is safe and secure! Security features include: password protection, internet firewalls and 128-bit encryption. Check images and other private information are not stored within the Town and Country CU Mobile App or on your phone.

How do I deposit a check using Mobile Deposit? 

  1. ​Download the Town and Country CU Mobile App in your device's App store. 
  2. Log in to the app using your TCCU Online username and password.
  3. Click on the menu in the top left hand corner. 
  4. Select "Deposits" from the menu and then "Deposit a Check". 
  5. Choose which account to deposit your check into and type in the check's amount. 
  6. Use black ink to sign the back of the check and beneath your signature write "For Mobile Deposit Only". 
  7. Click "Check Front" to take a photo of the front of the check, then click "Check Back" to take a photo of the back. 
  8. Click "Submit" to deposit your check. 
  9. You will receive an email confirmation that your check has been submitted for review.
  10. Once your deposit has been posted we recommend that you write "Electronically Presented" or "VOID" on the front of your check and securely store it for 60 days. 
Town & Country Credit Union Mobile App Login Screen Town & Country Credit Union Mobile App Menu Town & Country Credit Union Deposit a Check Town & Country Credit Union Mobile Deposit Screen


Do I need to sign the back of my check?

  • Sign the back of your check and write "For Mobile Deposit Only" under your signature. Additionally, follow these helpful tips when using Mobile Deposit: 
    • Use in a well-lit area when taking pictures of a check to prevent shadows or poor image quality
    • Smooth out any folds or creases on the check
    • Place check on a dark background
    • Keep hands clear of the check while taking a picture

How will I know when my check has been posted to my account?

  • After submitting your deposit, you will receive an onscreen confirmation that your deposit has been submitted to Town & Country for review. You will also receive an email notification from
  • Checks deposited Monday - Friday before 4:00 p.m. CST will be credited to your account the same day. Deposits made after 4:00 p.m. CST or on the weekend will be credited to your account on our next business day.
  • If you need to change your email address for Mobile Deposit email notifications, call us at 1-800-872-6358 or stop by your local office to update your email address.

Are there limits for the dollar amount of deposits?

  • Deposit limits are assessed on a case by case basis by our Town & Country team. If you'd like your limits increased, please call us at 1-800-872-6358 or fill out our contact form and we'll call you. 

How do I view my Mobile Deposit history or see the status of the checks I have remotely deposited?

  • View the status of current and past deposits on the "Deposits" screen. You will be able to view 180 days of history including check status (pending, accepted, rejected) and deposit information.

When I go to take a picture of my check, the screen is black?

  • Verify you have allowed the Town and Country CU Mobile App access to your camera in your device "Settings."

Are there any kinds of checks that cannot be deposited through Mobile Deposit?

  • 3rd party checks
  • Checks payable to you and another party who is not a joint owner to the account
  • Checks that do not contain a 9 digit US routing number
  • Checks that contain evidence of altercation, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
  • Savings Bonds

Why was my check rejected for mobile deposit?

  • There are a few reasons that check may be rejected:
    • Folded or torn corners
    • Front or back image is not legible
    • Amount entered does not match the amount read by the scanning software
    • Routing and account numbers are unclear
    • Your device does not have a camera
    • The check image is too dark