How to Deposit a Check with the Peak Mobile App

Before You Get Started

To use Mobile Check Deposit, you must:

Have an eligible Peak checking or savings account
Be in good standing
Have an established and active Digital Banking profile
Complete the Remote Deposit Capture (RDC) acknowledgment and agree that no transaction is made through the Electronic Fund Transfer Act or Regulation E of the Consumer Financial Protection Bureau.

Mobile Check Deposit is available through the Peak mobile app on supported Apple and Android devices.

How to Deposit a Check

Open the Peak mobile app and sign in.
Select the camera icon in the thumb bar at the bottom of the screen. You can also select Transactions > Deposit Check.
Select the account where you want the check deposited.
Enter the amount of the check.
Follow the prompts to take a picture of the front of the check.
Take a picture of the back of the check after you've endorsed it.
Review the deposit amount, account, and check images.
Submit your deposit.

How to Endorse Your Check

Before submitting your deposit, sign the back of the check.

Below your signature, write:

For mobile deposit only to Peak Credit Union

If the check is payable to multiple people, all required payees must endorse the check.

Important: Make sure the endorsement is complete before taking a picture of the back of the check.

Tips for Taking Check Photos

For the best results:

Place the check on a flat surface.
Use good lighting.
Make sure the image is clear and in focus.
Capture all four edges of the check.
Leave some space around the check.
Make sure the routing and account numbers at the bottom of the check are visible.
Make sure the endorsement on the back is easy to read.

What Happens After I Submit My Check?

You'll receive two email notifications about your deposit.

1. Deposit Received

The first email from ensenta.monitor@jackhenry.com confirms that your Mobile Check Deposit was successfully submitted for review.

Receiving this email does not mean the deposit has been approved or that the funds are available yet.

2. Deposit Result

You'll receive another email after your deposit has been reviewed.
The deposit may be:
- Approved
- Adjusted
- Rejected
If your deposit is rejected, see Why Was My Mobile Check Deposit Rejected? for troubleshooting steps.

When Will My Deposit Be Processed?

Mobile Check Deposits are reviewed during scheduled processing windows.

Deposits submitted by	Funds typically post around
9:00 AM PT	9:45 AM PT
3:00 PM PT	4:15 PM PT

Processing and funds availability may vary, and holds may apply.

Keep Your Original Check

Keep the original check in a secure location for at least 30 days after submitting your Mobile Check Deposit.

After 30 days, securely destroy the check to help prevent it from being deposited again.

Frequently Asked Questions

What is Mobile Check Deposit?

Mobile Check Deposit allows you to take pictures of an eligible check and securely submit it for deposit using the Peak mobile app.

What accounts can receive Mobile Check Deposits?

Eligible Peak checking and savings accounts can receive Mobile Check Deposits.

Can I deposit a check from a computer?

No. Mobile Check Deposit for consumer accounts is available through the Peak mobile app.

Can I deposit more than one check?

Yes, but each check needs to be submitted as a separate deposit.
Only one check can be included in each Mobile Check Deposit.

How will I know whether my check was accepted?

Watch for the second email sent after your deposit is reviewed. It will let you know whether the deposit was approved, adjusted, or rejected.

How long can I view my Mobile Check Deposit history?

Mobile Check Deposit history is available for a rolling 180 days.

Can I use Mobile Check Deposit on Wi-Fi?

Yes. You can submit a Mobile Check Deposit using either:
- Wi-Fi
- Cellular data
A reliable internet connection is recommended when uploading check images.

What should I do if my deposit is rejected?

Review the email you received after your deposit was processed.
See Why Was My Mobile Check Deposit Rejected? for common causes and troubleshooting steps.

What if my deposit is still pending?

Processing times and holds can affect when deposited funds become available.