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SCAM ALERT: Sandia Area members are continuing to report fraudulent phone calls and text messages from people claiming to be Sandia Area member representatives. This includes spoofed phone numbers which appear to originate from Sandia Area. Please be aware that Sandia Area will NEVER initiate a phone call or text message asking for your online banking credentials or to request a transfer of funds. Learn more ► 

Mobile Deposit Frequently Asked Questions

What is Mobile Deposit?

Sandia Area Mobile Deposits is a secure, online service that allows you to deposit checks into eligible Sandia Area accounts from a remote location. A check can be photographed with the camera feature on your smartphone device. Then the images and associated deposit information are delivered to the credit union electronically. This convenient, 24/7 service saves you time by eliminating the wait you might encounter at an ATM, branch or having to mail the deposit!

Who is eligible to make Mobile Deposits?

Sandia Area members with a checking, savings, or Money Market account in good standing are eligible for Mobile Deposits. Members must be over the age of 16 and have been a member for at least 60 days.

When will mobile deposits be posted to my account?

Deposits are posted to your account within minutes of submitting the check. Funds may not be immediately available. Please be sure to retain your original check for 60 days, in case additional review is required.

What are the deposit and transaction limits?

Each account has a qualified daily limit that is displayed within the Mobile Deposit feature. In addition, there is a limit of 10 checks per day.

Are there fees associated with Mobile Deposits?

No, mobile deposits are free. However, there will be a charge for returned deposit items and other transactions that are outlined in the Fee Schedule.

Can I see a history of deposits made to my account?

Yes, you can view the history within the mobile deposit application. You can also see the history of all deposits in your transaction history.

Is my financial information safe with Mobile Deposits?

YES! The Mobile Deposit service is offered through Mobile Banking, which requires you to provide a unique username, and password each time you log in. To prevent unauthorized access to your account, be sure to log out of Mobile Banking once your online account activities have been completed.

What types of checks can be deposited with Mobile Deposit?

Sandia Area accepts any check that is drawn on a U.S. financial institution in U.S. dollars. This includes:

  • Personal checks
  • Corporate/business checks
  • Cashier's checks
  • Government checks

What types of checks CANNOT be deposited with Mobile Deposit?

The following items are not eligible for Mobile Deposits:

  • Checks or items payable to any person or entity other than you
  • Post-dated checks
  • Checks or items containing an obvious alteration to any of the fields on the front, or checks or items which you know, suspect, or should know or suspect to be fraudulent
  • Checks written from your account at Sandia Area
  • Checks or items not payable in United States currency
  • Items drawn on financial institutions located outside the United States
  • Items previously converted to a substitute check
  • Consumer loans, credit card, and mortgage payments
  • IRA and Share Certificate deposits
  • Money orders and travelers checks
  • Amex Gift Cheques
  • Savings bonds
  • Checks from another financial institution to a closed account

How long should I retain my original check? What happens if I discard the check and an issue arises?

For your protection, retain the original check for at least 60 days AFTER receiving confirmation that it has posted to your account. When you are ready to discard it, mark it "VOID" and dispose of it in a way that prevents it from being presented for payment again. If an issue should arise and the original check is no longer available, please contact the issuer of the check to obtain a new copy that can be re-submitted for deposit.

What steps should I take if my Mobile Deposit is declined?

If your deposit is declined, an email will be sent to the email address on file indicating the reason for the decline. If you feel you need to discuss the matter in more detail, please call Member Services at 505-292-6343 ext. 5 or 800-228-4031. Reasons that deposit items may be declined include:

  • Ineligible check
  • Non-negotiable
  • Missing signature
  • Missing endorsement
  • Stale-dated
  • Post-dated
  • Not a valid check
  • Duplicate check

What should I do if I do not receive a confirmation email from my Mobile Deposit?

Please check your “Junk Mail” or “Spam” folders to ensure that emails we send are not being filtered for some reason. You can confirm the email address that we have on file by logging into the “web” version of online banking or sending us a secure message through mobile banking. To confirm that your deposit was successful login to your mobile banking application and view the transaction history.

Can I have my deposit limit increased?

If you need a one-time deposit limit increase, please contact us via secure messaging or contact Member Services at 505-292-6343 ext. 5 so we can review your request.

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