SKIP A TRIP TO THE CREDIT UNION
Mobile Deposit
Say hello to the convenience of depositing checks as soon as you get them (and goodbye to all the extra trips to the credit union – though we do love seeing you).
Make a mobile check deposit in five easy steps.
- Log in to the Spero Mobile Banking app.
- Tap Check Deposit on the home screen.
- Endorse the check properly. Add your signature, account number, and "For Mobile Deposit Only to Spero Financial" on the back of the check.
- Follow the prompts to snap photos of the front and back of your check.
- Tap Deposit.
You will receive a confirmation email that your check has been sent and another when your deposit is accepted. Deposits made before 4:15 PM EST/EDT will typically be available the next business day, excluding holds.
Mobile Deposit is available through the Spero Financial Mobile Banking App
Mobile Deposit FAQs
After enrolling in MONEYLINK℠ Online Banking and downloading the Spero Mobile Banking app, log in to the Spero Mobile Banking app. Choose Check Deposit from the Menu and follow the prompts—the app will walk you through the process step-by-step.
Our mobile banking app is available across multiple platforms and devices, including iPhone, iPad, Android, Windows, Kindle, and Blackberry. Whatever web-enabled phone or tablet you have will likely work with our mobile banking app.
Before you are able to deposit your check through our mobile banking app, you will be shown a disclosure. Please read this disclosure thoroughly as it explains the endorsement process. Members must sign their name, write their account number, and write “For Mobile Deposit Only to Spero Financial” on the back of their check.
Your privacy and security are very important to us. We fully encrypt all wireless communication with our members, including our mobile apps. We also never store personal or financial information on your phone, and all mobile deposits are fully insured by the NCUA, the same as in-branch transactions.
You will receive two email messages to track the status of your deposit. The first email will confirm that your deposit has been Received. The second email will inform you whether your deposit has been Accepted or Cannot Be Accepted.
There are a number of reasons that a check may not be accepted through MONEYLINK℠ Mobile Deposit. The most common reasons include improper endorsement of the check, a bad or blurry image of the check, or an incomplete check (no signature, no date, amount not fully filled in, etc.).
Checks deposited before 4:15 PM EST/EDT will typically be available in your account the following business day - excluding holds.
All checks deposited must be retained for 7 business days after the funds have posted to your account. After 7 business days, the check must be prominently marked with VOID and shredded.
Watch step-by-step how to make a mobile deposit.
Say hello to the convenience of depositing checks as soon as you get them.
Download the Spero Mobile Banking app
to access the mobile deposit feature.