Vancity Mobile Deposit™

Vancity Mobile Deposit is free for all personal banking members, but your mobile carrier may charge you for using browser- related services on your mobile device. Please consult your carrier for more information.

With Vancity Mobile Deposit you can:

  • Conveniently deposit cheques using the Vancity mobile app.
  • Deposit Canadian dollar cheques, including credit union official cheques, and certified cheques into your Personal or Business accounts.
  • Choose to deposit into your Canadian dollar Vancity chequing or savings account.
  • See your deposit appear in your chosen account in real time*
  • Enjoy the same level of security as online banking

How it works

To successfully deposit your cheque:
1. Tap the DEPOSIT icon in the app
2. Select an account to deposit
3. Photograph the cheque on both sides
4. Confirm the deposit details

Once you tap confirm, the cheque is immediately submitted for processing and the funds will appear in your account*.

Getting started

To use Vancity Mobile Deposit, you need to:

  • Download the free app from App Store℠ or Google Play™.
  • If you don't have a Personal Access Code (PAC), get one at your nearest Vancity community branch.
  • Have an active MEMBER CARD® debit card that allows for deposits.

Things to remember

Before you photograph your cheque:

  • On the back, write “For deposit only to [your 12 digit Financial Account number].” Then add your signature.
  • Ensure the cheque is in a well lit area that it is shadow-free, in focus, and centred in the frame. Remember to take a photo of the front and back.

After you deposit the cheque:

  • Write "Deposited" on the front of the cheque and keep it on file for a verification period of at least 45 days. You must destroy the cheque within 120 days after the initial deposit.
  • Check your statements to ensure the deposit was made correctly. If you see any errors or omissions, please bring the original cheque to the nearest Vancity branch.

Cheque hold

Cheque hold policy

Holds may apply when you deposit cheques using Vancity Mobile Deposit or at an ATM. When a cheque is held, some or all of the deposited funds are not available to you for a certain number of days. Learn about cheque holds and cheque clearing or, to find out about the hold policy on your account, contact us.

If you want to cash a government cheque right away, take it into any Vancity branch where we can verify the cheque and cash it for you immediately.

Terms and conditions

Terms and conditions

Vancity Mobile Deposit is subject to the terms and conditions found in Vancity’s Account and Services Guide.

 


*Access to deposited funds is subject to cheque holds. In addition to being subject to holds, in some cases cheques may be rejected if they do no meet the requirements laid out in our agreements.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Apple Inc. is not a sponsor or participant of Mobile Banking or Vancity Mobile Deposit for Vancity Credit Union.

Android and Google Play are trademarks of Google Inc.