Navigator credit union mobile deposit funds availability

Q: Do mobile deposits deposit instantly?

Youll immediately get a message that your deposit is processing. And within seconds, well send you an email verifying that it was received. Funds are generally available the next business day.

In most cases, funds deposited via Mobile Deposit will be available on the next business day after your deposit is made, however, longer delays may apply.

Table of Contents Show

Get Ready for the Journey Ahead
How long until mobile deposit funds are available?
Are mobile deposits available same day?
Do mobile deposits deposit instantly?
Do mobile deposits take longer to clear?

Funds Deposited using Mobile Deposit may be delayed for a longer period of time under the following circumstances:

if we believe a check you deposit will not be paid
when you deposit checks totaling more than $5,000 on any one (1) day
when you redeposit a check that has been returned unpaid
if there is an emergency (such as failure of communications or computer equipment).

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Do not dispose of your check or attempt to process at another institution or through another channel (ATM or in-branch). You should hold onto your check until 30 days after the deposit has posted to your account and then destroy it.

Tagged under:

1st Source Bank Personal Help
Personal Online/Mobile Banking Help
Personal FAQ Mobile Banking Help
Personal Mobile FAQ Mobile App Help
Personal Mobile App FAQ Mobile Deposit Help

Accounts

Certificate of Deposit (CD)
CDs are high-yield deposit investments that guarantee a great return with no market risk. CDs have terms ranging from six months to five years. Early withdrawal of the funds is subject to a penalty.

Checking
Navigator’s Free Checking gives you everything you want in a checking account and more. Features include free online banking, free mobile app, free BillPay, an instant issue VISA® Debit card, no minimum balance required, no monthly service charge and you can even earn interest on your balance.

Christmas Savings Account
Enjoy the season without the financial stress. The Christmas Savings Account’s competitive rate together with your regularly scheduled deposits will allow your fund to build steadily. Then on November 1, we’ll automatically transfer your savings so you can celebrate the holidays without a worry.

Membership Share
A membership share is the foundation of your relationship with Navigator. Your one-time $5 deposit ensures lifetime access to Navigator services and earns interest.

Money Market
As your savings grows, so does your earning power. Open a Money Market account with $2,500 or more and earn higher tiered rates that reward higher balances – while still having easy access to your cash.

Primary Savings Account
A primary savings account is a convenient and secure way to save and earn money. There is no minimum balance plus there’s ATM card access with individual or joint availability. Make the most of your Primary Savings Account with regular deposits through payroll deduction or automatic transfers from your checking account.

Save ’N Up
Build your savings with every debit card purchase. We’ll round up each purchase to the next dollar and deposit the difference in your high-yield Save’N Up account. Save’N Up is free to Members and the only requirement to add this unique service to your checking account is to sign up for e-Statements. When you choose signature mode (credit) when making purchases, we’ll even match your rounded up savings up to $300 per year! There’s a 100% match for the first 30 days and a 10% match after that. In addition, funds in your Save’N Up account earn interest at a rate of 3% APY.

Sub-Savings Account
Navigator’s sub-savings accounts are a convenient way to put aside money for specific goals. You’ll be able to keep track of your sub-savings account balances apart from your Primary Savings Account, so you’ll always know how close you are to individual savings goals. Set up a sub-savings account for that special vacation, a special big ticket purchase, a college fund or anything you’d like.

Get Ready for the Journey Ahead

Take advantage of your Navigator membership with these services
to simplify your life and help you achieve financial success.

Bank from anywhere with the Navigator Credit Union mobile app

Our Navigator Credit Union mobile app is like having a Branch right at your fingertips 24/7. You can check your balance, view your transaction history, pay bills, deposit checks and so much more. You can easily find a Navigator Branch or one of the 55,000 surcharge-free ATMs without even logging in. You can download our FREE app onto your mobile device straight from the Apple or the Google Play stores.

Build your savings with our SaveN' Up Debit Card program
Use your Navigator debit card on everyday purchases to build your savings quickly. We’ll round up each purchase to the next dollar and deposit the difference in your high-yield Save’N Up account. Save’N Up is free to Members and the only requirement to add this unique service to your checking account is to sign up for e-Statements. When you choose the signature mode (credit) when making purchases, we’ll even match your rounded up savings up to $300 per year! There’s a 100% match for the first 30 days and a 10% match after that. In addition, funds in your Save’N Up account earn interest at a rate of 3% APY.

Pay with ease with your new Navigator Debit Card
Navigator’s debit card gives you access to your funds 24/7. It can be used in signature (credit) mode or PIN (debit) mode. The debit cards can be instantly issued in Branch and are activated at 7 p.m. the same day. Add your Navigator debit card to your mobile wallet so you can speed through checkout all while protecting your information. You can also manage, monitor and protect your debit card with our free CardValet app, including having the option to turn your card on and off with your smartphone. Download Navigator’s CardValet app at no charge from both Google Play and Apple Store.

Set it and forget it with online BillPay
Get the security and convenience of paying all of your bills at one online location. You can view upcoming payments, track payment history and select the date the bill is paid or set it to be paid monthly. Plus, you’ll save time and postage. To sign up, log onto Online Banking and click on Pay My Bills on the menu bar.

How long until mobile deposit funds are available?

In some cases, a mobile check deposit can be available within just a few minutes of uploading the check into the mobile banking app. However, it usually takes around one business day for deposits to go through. Following instructions from the bank carefully regarding uploads can speed up the deposit timeline.

Are mobile deposits available same day?

Funds will generally be made available the same day if deposited on a business day before 8:00 PM. The daily deposit limit is $5,000 per account. For peace of mind, you'll receive an email when you deposit the check AND when the funds are available in your account.

Do mobile deposits deposit instantly?

You'll immediately get a message that your deposit is processing. And within seconds, we'll send you an email verifying that it was received. Funds are generally available the next business day.

Do mobile deposits take longer to clear?

It Can Take Longer for Funds to Hit Your Account When you deposit a check from your mobile device, it may take a little longer for your funds to become available based on what time of day the deposit was made.

navigator credit union mobile deposit funds availability