Grow Financial Federal Credit Union
Woman completes a mobile check deposit with her phone with "Mobile Check Deposit" text overlayed
July 23, 2025

Mobile Check Deposit: Snap a Picture, Deposit a Check

Do you know about our convenient mobile check deposit? It’s easier than ever to deposit checks to your account — without needing to stop by a Grow store. With Grow Mobile Banking, you can use your phone to deposit a check by simply snapping pictures of the front and back of the check.*

How to use mobile check deposit

  1. Open the Grow Mobile Banking app.
  2. Select Deposit Check from the menu.
  3. Endorse your check with your signature and write “Mobile Deposit at Grow.”
  4. Follow the prompts to take a photo of the front and back of the check.
  5. Select Deposit Check.

That’s it! For most members, mobile deposits typically post to your account within 20 minutes of image capture. In most cases, up to $500 of the funds are available for use immediately, with any remaining funds typically available within two to four business days.

Tips for success:

  • Write clearly.
  • Place the check on a dark background in a well-lit area to take the photos.
  • Remember to endorse the check properly following step #3. Missing or incorrect endorsements may result in your check being rejected.
  • For the smoothest experience with the Grow Mobile Banking app, close other apps that are running in the background.
  • Keep the check in a secure location for 90 days, then shred it for safe disposal.

Additional information about mobile check deposit:

  • Most deposits should post within 20 minutes. Please note: Deposits made between 9 pm and 5 am ET should post by 5:30 am ET. If you deposit a payment issued by Grow, it will post the next business day.
  • The funds you deposit may be subject to a hold. Availability can vary based on your account history and other factors.
  • Deposits made on weekends or holidays may be delayed due to extended review times, including midweek holidays and long weekends.

Take a picture. Deposit your check. It’s that easy.

If you prefer to visit a Grow store, our team members would be happy to help you in person. Find a store near you.

*Additional data charges may apply. Please see your wireless carrier for more information.


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