USAA Deposit@Mobile® FAQ

Question 1

Am I eligible to use USAA Deposit@Mobile?

Answer

You must have a USAA Federal Savings Bank (USAA FSB) checking or savings account in good standing.

Minors age 13 to 17 can use Deposit@Mobile if their parent or guardian enables the option located in Parental Control settings.

Question 2

Do I have to agree to the Remote Deposit Capture User Agreement to use Deposit@Mobile?

Answer

Yes. You must agree to the terms and conditions of the Remote Deposit Capture User AgreementOpens new window.

Question 3

Is there a daily maximum deposit amount when using Deposit@Mobile?

Answer

Yes. To see your daily maximum deposit amount, logon to the USAA Mobile App and select "Deposit." As a reminder, the deposit limit is the maximum aggregate amount you can deposit into all of your accounts of which you are an owner.

Question 4

What deposit options do I have when I have exceeded my daily deposit limit?

Answer

You may qualify for a temporary deposit limit increase within the USAA Mobile App by visiting Deposit@Mobile and selecting "See more deposit options." Alternative options include:

Using a certain deposit-taking ATM location.
Mailing your checks.

Question 5

What types of deposits can I make using USAA Deposit@Mobile?

Answer

‍ ‍We only accept checks from a U.S. financial institution, in U.S. dollars. The following check types are generally eligible for mobile deposit:

Personal checks
Paychecks
U.S. Treasury checks
Cashier's and teller's checks

The following are some examples of check types that you shouldn't deposit via USAA Deposit@Mobile:

U.S. savings bonds
Checks from foreign banks
Checks not payable in U.S. dollars
Checks with obvious alteration

Note, we may accept or reject any item transmitted through USAA Deposit@Mobile at our discretion. Please see the Remote Deposit Capture User Agreement for more information.

Question 6

How should I endorse my check?

Answer

Your check endorsement should read:

Your signature followed by "For mobile deposit at USAA FSB account number [XXXXX]."

Question 7

What should I do with my check after depositing it?

Answer

Once your check is deposited:

Save the confirmation for your records.
Write “Electronically Presented” or “VOID” across the front of the check as a security measure.
In case we need the check for verification purposes, hold on to it for 30 days. You don't need to send us the check.

Question 8

Why doesn't my current balance reflect my recent deposit?

Answer

If you received a confirmation but your current balance doesn't include the deposit amount, we can help. Call us at 210-531-USAA (8722).

If you didn't receive a confirmation, the deposit didn't go through and you'll need to resubmit your check.

Question 9

When will my deposit be available to use?

Answer

Deposits made using USAA Deposit@Mobile are generally available to you the first business day after the day we receive your deposit. We may hold all or a portion of the funds deposited, and any hold times and amounts will be displayed within the USAA Mobile App before you transmit the item. For more information, refer to the "Availability of Funds" section of the Remote Deposit Capture User AgreementOpens new window.

Question 10

Is there a cut-off time for depositing my check?

Answer

Yes. Checks deposited at or after 9 p.m. CT on a business day or anytime on a nonbusiness day (Saturday, Sunday or federal holiday) are generally available immediately for cash withdrawals and debit card transactions, subject to any holds. But the deposit may not be available to pay certain items that may process the same day, including automated clearing house (ACH) transactions and checks.

For more information, refer to the “Availability of Funds” section of the Remote Deposit Capture User AgreementOpens new window.

Question 11

I accidentally entered an incorrect amount for a deposited check. Should I deposit it again?

Answer

No. If there is a discrepancy between the amount that you enter and the amount of the funds, USAA FSB may adjust your amount for the error. Notify us as soon as possible, but no later than 60 days after we send or otherwise make the statement available to you, if there is an error in the deposit amount. For more information, review the "Deposit Adjustments and Errors" section of the USAA Federal Savings Bank Depository Agreement and DisclosuresOpens new window.

Question 12

I deposited my check to the wrong account. What should I do?

Answer

You can move funds not placed on hold into your desired account using the transfer funds service. Funds transferred using the transfer funds service are generally available right away when transferring between your USAA FSB accounts.

Question 13

The check I deposited was returned. Can I upload it again?

Answer

No. Attempting to deposit a check that has previously been returned will result in a duplicate deposit attempt.