Tag Archives: financial tools

All You Need To Know About Mobile Check Deposit

In a world where you can order almost anything through your mobile phone — from a new pair of shoes to a dining room table to tickets to a Caribbean cruise — it only makes sense for our members to have access to USAgencies Credit Union through mobile banking.

One of the most convenient features we offer through our mobile banking is check deposit. All it takes to deposit a check is a few minutes of your time and a phone with internet access.

Let’s take a closer look!

What is mobile check deposit?

Mobile check deposit is a way for you to deposit a check into your USAgencies Credit Union account from a distant location using a mobile device with internet access. You can be practically anywhere in the world and make your deposit at any time.

The process is simple: You’ll log into your USAgencies Credit Union mobile app and prepare your check for deposit. Tap on the Check Deposit icon and the app will guide you through snapping a picture of both the front and the back of the check. You’ll also be asked to verify the check amount. Once you’ve made the confirmation, your check will be submitted for deposit into your account.

It’s that easy.

The benefits of mobile check deposit

It’s not just another errand crossed off your list. Here are some of the benefits you’ll enjoy by using USAgencies Credit Union mobile check deposit:

  1. Convenience. You’re no longer bound by regular branch hours. As mentioned, you can now make your deposit anywhere, and at any time.
  2. Speed. Your check will generally clear more quickly through a mobile deposit than it will through an ATM deposit.
  3. Accuracy. There’s no room for errors when it comes to mobile check deposit. You’ll be asked to confirm the check amount in case the character-recognition software is not reading it correctly. On the small chance that an error occurs, you’ll still have the physical check, which you can then deposit at USAgencies Credit Union.

But is it safe?

If you’re worried about sending a personal check through the airwaves, you can rest easy. Your safety is always our priority, and we take multiple precautions for ensuring your personal information is protected throughout the mobile check deposit process.

First, with Fingerprint ID & Face ID (not available on all devices), there is no need to worry about stolen passwords.

Second, our mobile app does not store your check images in your phone. Once your check has been submitted, the image is erased from your phone and stored only in our own software.

Finally, if an error occurs, you’ll always have the physical check to deposit if necessary.

If you haven’t already done so, try USAgencies Credit Union mobile deposit. It’s quick. It’s easy. And it’s safe. You’ve got nothing to lose but one more errand crossed off your to-do list. Try it today!


Questions? Connect with us at 503-275-0300 Option 4. You deserve a better banking experience. Get it here.

Money Management – Budget For a Brighter Future

Money Management is a tool in online banking that lets you view and track all transactions from USACU and external accounts — for FREE. You will be able to receive valuable insights and reports about your finances, ensuring you’re in control of your financial life.

ACCOUNTS — Gives you an overview of all your accounts. Not only will you be able to view your USACU accounts, you can also link and view accounts from external financial institutions. Data will automatically update every time you visit the Money Management feature in online or mobile banking.

TRANSACTIONS — Money Management gives you a quick overview of recent spending on all your accounts, and the ability to search or filter for specific transaction. Transactions will be automatically categorized for you.

SPENDING — The spending wheel helps you identify the biggest expenses but also dives into the smallest details, so you can spend smarter.

BUDGETS — Track your budget with color bubbles to help you understand the relative health of your budgets instantly. You can use sub-budgets to track specific spending and see the money you have leftover to put towards goals.

TRENDS — Track spending in each category over time and get you insights of your spending habits.

DEBTS — Prioritize your debts and pay it down faster so you can save the money you would otherwise spend on interest.

Know your accounts. See all your accounts, including those outside of USAgencies’.
Money management - accounts overview

Track your budget. Color bubbles help you understand the relative health of your budgets instantly.
Money management - Budget chart

Watch your spending. Every transaction is automatically categorized so you can spend smarter.
Money Management spending chart


Climb to new heights with USAgencies’ free financial management tool, Money Management. Visualize and interact with your money in the most epic ways. Log in to online banking get started with Money Management today! 

Questions? Connect with us at 503-275-0300 Option 4. You deserve a better banking experience. Get it here.