ithinkfi Mobile Deposit

How Mobile Deposit Works

ithinkfi mobile deposit converts a photo of your endorsed check into an electronic deposit processed through the ithinkfi mobile app.

The app captures images of the front and back of the check, reads the check amount, and submits the deposit directly to ithinkfi for processing. You do not need to visit a branch or mail the paper check, and most deposits post overnight.

Checks drawn on ithinkfi accounts carry routing number 267077627, which appears in the MICR line the app scans. The deposit is protected by the same safeguards as any ithinkfi transaction, and eligible funds are insured by the NCUA up to $250,000.

Members who need help can call customer service at 800-873-5100 or open a chat from the Help Centre.

Step-by-Step Guide

A mobile deposit takes less than a minute once you have endorsed the check and opened the camera in the ithinkfi app.

1. Sign in to the app

   Open the ithinkfi mobile app and select Mobile Deposit from the menu.

2. Endorse the check

   Sign the back and write "For mobile deposit only" below your signature.

3. Enter the amount

   Type the check amount and choose the account for the deposit.

4. Photograph both sides

   Capture the front and back of the check in good light, keeping all four corners in frame.

5. Review and submit

   Confirm the details, submit the deposit, and keep the paper check for 14 days before destroying it.

Deposit Limits and Availability

ithinkfi provides same-day availability on the first $500 of each mobile deposit, with the remaining funds available in 1-2 business days.

Members can deposit up to $10,000 per business day and up to $30,000 per rolling 30-day period through mobile deposit. Deposits submitted before the 7:00 PM Eastern cut-off on a business day are processed the same evening; deposits after the cut-off post the next business day.

Deposits made on weekends or federal holidays begin processing on the next business day. Larger checks and checks drawn on foreign banks may be held for additional review before funds are released.

Tips for Clear Check Photos

Place the check on a dark, flat surface in bright, even light and hold the camera directly overhead for a clear mobile deposit photo.

• Set the check on a dark background so the edges stand out.
• Photograph in daylight or a well-lit room, and avoid direct glare from overhead lights.
• Keep all four corners of the check inside the frame.
• Hold the camera steady and let the app auto-focus before it captures the image.
• Flatten folded or wrinkled checks under a book before photographing them.

Troubleshooting Rejected Deposits

Most rejected mobile deposits are caused by blurry photos, a missing endorsement, or an amount that does not match the value written on the check.

If a deposit is rejected, the app shows the reason along with guidance for resubmitting. The most common fixes are retaking the photo in brighter light, re-endorsing the check on the correct side, and verifying the typed amount matches the written amount.

Duplicate deposits of the same check are also rejected to prevent fraud. If a rejection persists after two attempts, call customer service at 800-873-5100 and a member of the 25-person support team will review the deposit with you.