Making a deposit is as easy as taking a picture on your mobile device. Using Day Air’s Mobile Deposit, you can deposit checks on the go! It’s quick, easy, and best of all, FREE!
- Enrollment requests are subject to approval
- Checks must have “For Mobile Deposit at DACU” written on the back with the signature
- Checks submitted before 4:00 PM EST will be processed same day
- Maximum daily amount deposited is $5,000
End User Agreement
Frequently Asked Questions
Simply download Day Air’s app in the Android, Apple or Kindle stores. Download the app for Android here
. Download the app for Apple here
The one-time registration process is very easy and will take you less than one minute to complete. In the app, select “Move Money” from the bottom menu, then “Deposit Check” (as shown in the image below). Login with your existing mobile banking username and password. Then, accept the User Agreement and you’re enrolled. You can start depositing checks as soon as you receive your confirmation email from Day Air.
No, your request to use the application will be reviewed by the Credit Union. Once approved, you will receive an email stating you have been approved along with some other pertinent information.
Yes, we will need an email address for you to receive communications from the credit union regarding your check submissions.
Our upgraded mobile banking app includes a single sign-on for both Mobile Banking and Mobile Deposit. That means that you use the same username and password to access the convenience of both features.
Account Label is a description for each suffix you enroll. If you enroll two checking accounts, you can label them differently in order to differentiate between them. This is similar to account nicknames used in It’s Me 247 online banking.
If you only have a savings account or share certificate with us and have not had a transaction, you will only receive a quarterly statement. When you make a transaction, you will receive a monthly statement.
You can quickly find your account number and checking or savings type withing It’s Me 247 online banking or on your statement. Your account number can be up to 6 digits long and your account type is 3 digits long.
Your main savings account type is 000. If you are using a checking account, the type could be 007 through 009.
Ensure that all payees have endorsed the check(s) and that you have written the words “For Mobile Deposit at DACU” on the back of the check(s) as well.
You must have checks submitted by 4:00 PM EST on a business day (Monday-Friday) in order to have the check processed same day. Checks received on a non-business day, holiday, or after 4:00 PM EST, will be processed the next business day.
No, you will not receive initial credit when you submit your check(s). Submitted checks must go through an approval process prior to being posted. Funds will be available according to our funds availability policy. Our policy is to make funds from check deposits available to you on the next business day after we receive your deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. The earliest cut-off time that might apply is 4:00 p.m. If you make a deposit before our cut-off hour on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
As of January 1, 2014:
- Minimum deposit amount $1.00
- Maximum dollar per deposit $5,000
- Maximum dollar amount per day $5,000
- Maximum number of items per day 5
- 30-day rolling limit $10,000
These limits are subject to change.
ALL – Lists all of the checks you have submitted in the the last 30 days.
In Review – Lists the checks received by the credit union but still need to be accepted or rejected.
Approved – Lists the checks that you have submitted that have been accepted for deposit and have either been posted or are i the process of being posted to your account.
Rejected – Lists the checks that you have submitted that have been rejected for deposit.
First, look in the “Review My Check Status” section for the check in question. If it appears under the “Approved” tab, then check your history in mobile banking to see if the deposit has been made.
The original check should be stored in a secure location for at least 30 days after the deposit. If the check is rejected by the credit union or is returned for any reason, you may need the original check for resolving the issue.
Standard holds apply to all check deposits regardless of channel. Holds are placed at the discretion of the credit union.
- Checks payable to any person or entity other than yourself (Third Party Checks)
- Checks that are stale dated or postdated
- U.S. Savings Bonds
- Previously returned checks
- Money Orders
- Cashiers Checks
- Checks payable to yourself and another party who is not a Joint Owner on the account
- Checks payable through a Foreign Financial Institution or in Foreign Currency
- Checks that show evidence of alteration, or that you know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
- Any non-negotiable item
You can contact our Member Service Center at 937-643-2160 or send an email to email@example.com for assistance. You may also use our Contact Us
No, this service is free from Day Air Credit Union but you should contact your phone service provider regarding connectivity and usage rates.
Make sure the entire check is in the frame with all four corners showing. Have good lighting and use a dark background. Avoid blurry images. If not satisfied with the image, you will be given the option of retaking it.