Sascu Remote Deposit
Sascu remote deposit turns your smartphone camera into a check deposit terminal — endorse, photograph, and submit in under a minute from wherever you happen to be.
Remote deposit through the Sascu mobile app eliminates the errand of driving to a branch or ATM every time a paper check arrives. Birthday check from a relative? Payroll check from a seasonal job? Insurance settlement? Rebate from a manufacturer? Each one deposits through the same simple flow: open the Sascu mobile app, tap Deposit Check, endorse the back, take two photos, confirm the amount, and submit.
The Sascu mobile app guides you through each step with visual prompts. After selecting Deposit Check, the app asks you to endorse the check — sign your name on the back and write "For Sascu Mobile Deposit Only" beneath the endorsement line. The camera then activates. Sascu remote deposit automatically detects the check edges and captures a clean image of the check front. You review the image, confirm it is clear, and repeat for the back. The app verifies legibility before allowing submission.
Deposits submitted through Sascu remote deposit before 4 p.m. Eastern on a business day are generally available the next business day. The first $225 of any deposit is typically accessible the next business day even when the full amount is subject to a longer hold under the Sascu funds availability policy. Large deposits — typically those exceeding $5,525 — may carry an extended hold period of up to seven business days, consistent with federal funds availability regulations. The Sascu app displays the expected availability date before you confirm the deposit.
Sascu Login — Download the App Learn About Sascu Mobile BankingTaking Acceptable Check Photos
A successful Sascu remote deposit depends on clear check images — the app helps, but a few simple practices ensure first-attempt acceptance.
Place the check on a dark, flat surface in good light. The Sascu app looks for contrast between the check paper and the background — a dark wood table, a navy blue placemat, or a black mousepad all work well. Avoid patterned backgrounds like granite countertops that can confuse the edge detection. Hold the phone steady and level, positioning the check within the on-screen guide frame. The app captures automatically when the image is sharp and properly aligned.
Make sure all four corners of the check are visible, the MICR line — the string of numbers along the bottom edge — is clear and unbroken, and the check amount matches the amount you enter manually. If the app rejects an image, it explains why: blur, poor lighting, a cut-off corner, or a check folded across the routing number. You can retake photos as many times as needed without penalty.
Remote Deposit Limits and Hold Periods
Sascu remote deposit limits start at standard member thresholds and can increase with account history and responsible deposit behavior.
New Sascu members typically start with a daily remote deposit limit of $2,500 and a rolling 30-day limit of $7,500. These limits protect members and the credit union against check fraud. After six months of account history with no returned deposits, many members qualify for higher limits. The Sascu mobile app displays your current limits on the deposit screen before each submission.
Hold periods follow Regulation CC guidelines. The first $225 of a deposit is generally available the next business day. The remainder of deposits up to $5,525 is typically available on the second business day. Amounts above $5,525 may be subject to an extended hold of up to seven business days. The Sascu app tells you the expected availability split before you confirm, so you know exactly when different portions of the deposit become accessible.
Sascu Remote Deposit Details
Limits and hold periods are subject to the Sascu funds availability policy and may vary by account.
| Check Type | Daily Limit | Hold Period | Availability | Requirements |
|---|---|---|---|---|
| Personal Check | $2,500 | Next business day (first $225) | Remainder: 2nd business day | Clear photo, endorsement, Sascu account |
| Payroll Check | $2,500 | Next business day (first $225) | Remainder: 2nd business day | Employer name visible, endorsement |
| Government Check | $5,000 | Next business day | Full amount next business day | Treasury or agency check, endorsement |
| Cashier's Check | $5,000 | Next business day (first $225) | Remainder: 2nd business day | Issuing bank visible, endorsement |
| Money Order | $2,500 | Next business day (first $225) | Remainder: 2nd business day | Issuer visible, endorsement |
What Sascu Members Say
I work second shift and the branches are closed by the time I get off. Sascu remote deposit means I photograph my paycheck as soon as I walk in the door and the funds are there the next morning.
Quick Overview
Open the Sascu mobile app, endorse your check, photograph both sides, enter the amount, and submit. Deposits before 4 p.m. Eastern are generally available the next business day.
Frequently Asked Questions
Open the Sascu mobile app and select Deposit Check from the menu. Endorse the check by signing the back and writing "For Sascu Mobile Deposit Only." Follow the on-screen prompts to photograph the front and back of the check, enter the amount, select the Sascu account for deposit, and submit. You receive an immediate confirmation with a reference number for your records.
Sascu remote deposit limits vary by account type and membership tenure. Standard daily limits begin at $2,500 with a monthly limit of $7,500. Members with established account history may qualify for higher limits. Your current Sascu remote deposit limits are displayed within the Sascu mobile app on the deposit screen prior to submission of each deposit.
Sascu remote deposits submitted before 4 p.m. Eastern on a business day are generally available the next business day, subject to the Sascu funds availability policy. Deposits submitted after the cutoff, on weekends, or on federal holidays process on the next business day. The first $225 of a deposit is typically available the next business day even if the full amount is subject to a longer hold under NCUA share insurance rules.
Sascu remote deposit accepts personal checks, business checks, payroll checks, government checks, cashier's checks, and money orders drawn on US financial institutions in US dollars. The service does not accept foreign checks, third-party checks, or checks payable to more than one person unless both payees are joint Sascu account holders. If you are unsure whether a check qualifies, contact Sascu member services.
After a successful Sascu remote deposit, retain the original paper check for 14 days. Write "Deposited via Sascu" and the date on the check front for your reference. After 14 days, destroy the check — shredding is recommended for security. Do not attempt to deposit the same check again at a branch or ATM, as duplicate presentment may result in a returned item fee charged to your Sascu account.