MYC1CU Mobile FAQs

WHAT DO I NEED TO USE MYC1CU MOBILE?

Mobile banking is available to members that have a C1CU checking account and are enrolled in eBranch.

WHICH SMART PHONES WORK BEST WITH MOBILE BANKING?

iPhone 3GS or newer (Apple iOS 5.0.1 or newer)

Google Android (Android [Lollipop] 5.0 or newer)

Cameras with 2.0+ Megapixel resolution and auto focus
Either touch screen or keyboard phones

If you don’t have an iPhone or Android, you can access mobile banking through the MYC1CU Mobile website.

If you have a tablet, you will continue to use eBranch.

HOW SECURE IS C1CU MOBILE DEPOSIT?

It offers the same security that you have with eBranch. For added protection, the images of your checks are stored securely at the credit union and not on your mobile phone.

WHAT TYPES OF CHECKS ARE ACCEPTED THROUGH C1CU MOBILE DEPOSIT?

Checks must be:

  • Personal checks
  • Business checks
  • Government/Treasury checks
  • Cashier’s checks

In the endorsement area on the back of your check, write both your account number and “For C1CU Mobile Deposit Only”.

Checks must be from a U.S. institution and in U.S. dollars.

WHEN WILL MY FUNDS BE AVAILABLE?

Deposits are subject to the same verification and guidelines as if you were depositing in a branch. If, for some reason
your deposit is rejected, you will be notified the same day or no later than the following business day. Once the deposit has
been received, you will be able to view the pending transaction online or on your phone. Checks received by the cut off time of 2:00 p.m. on a Monday - Friday business day are available in your account the same day.

IS THERE A LIMIT ON THE AMOUNT THAT CAN BE DEPOSITED IN A DAY?

There is a $10,000 daily limit.

WHAT DO I DO IF I LOSE MY PHONE?

Log-into your eBranch account, click on the Access Account tab, then MYC1CU Mobile tab and click on the “Stop Using This Device” button that’s next to your mobile number.

TIPS FOR SUCCESS WITH C1CU MOBILE DEPOSIT

  • Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.
  • In the endorsement area on the back of your check, write both your account number and “For C1CU Mobile Deposit Only”.
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  • Flatten folded or crumpled checks before taking your photos.
  • Keep the check within the view finder on the camera screen when capturing your photos.
  • Try not to get too much of the areas surrounding the check.
  • Take the photos of your check in a well-lit area.
  • Place the check on solid dark background before taking the photo of it.
  • Keep your phone flat and steady above the check when taking your photos.
  • Hold the camera as square to the check as possible to reduce corner to corner skew.
  • Make sure that the entire check image is visible and in focus before submitting your deposit.
  • Make sure there are no shadows across the check.
  • Assure that all four corners are visible.
  • Make sure the MICR line (numbers on the bottom of your check) is readable.
  • Keep the physical check until you receive and reconcile your statement, then destroy it securely.

GENERAL MOBILE BANKING SECURITY TIPS

To prevent unauthorized access to your phone, set a password or Personal Identification Number (PIN) on your phone’s home screen as a first line of defense in case your phone is lost or stolen.

Smart phones are susceptible to malware and hacking when using unsecured public networks. Do not use mobile banking when connected to any public Wi-Fi.

Security experts recommend when using mobile banking turn off Bluetooth and Near Field Communications (NFC). Risks of using NFC and Bluetooth include eavesdropping, through which the cyber criminal can intercept data transmissions. It is also highly recommended that in general Bluetooth and NFC should be turned on only when needed.

Community 1st Credit Union will never request personal or sensitive information via email or SMS text message(s). Please use precautions when handling any types of unsolicited or unexpected emails or text messages. Be suspicious of these emails and text messages, even if they appear to originate from a trusted source. Clicking on links in spam email or text messages may send users to phishing websites or sites that are hosting malware.

If you doubt the validity of a C1CU Mobile email or text message that you received or if you think you may have already responded to a Phishing scam, please contact your branch immediately.

Apps require an Android or iPhone Smart Phone.

 

To get started go to MYC1CU Enroll →

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