How To Fix Navy Federal Mobile Deposit Not Working

Experiencing issues with Navy Federal Credit Union’s (NFCU) mobile deposit can be frustrating, especially when you need to deposit a check quickly.

The issue occurs because the NFCU unable to process the submitted deposit check service due to various reasons ranging from internet connectivity to account status.

Here’s a detailed guide on how to troubleshoot and fix common problems with NFCU’s mobile deposit service.

Why The Navy Federal Mobile Deposit Not Working

If Navy Federal Credit Union’s mobile deposit is not working, there could be several reasons:

1. App Issues

The NFCU app may be outdated or experiencing technical difficulties. Ensure you have the latest version downloaded from your app store.

2. Account Eligibility

You may not meet the eligibility criteria for mobile deposit services, or there may be restrictions on your account.

3. Check Readability

The check image may be unclear, improperly endorsed, or the information may not be readable due to poor lighting or a low-quality image.

4. Internet Connection

A weak or unstable internet connection can prevent the app from processing the deposit.

5. Deposit Limits

You may have exceeded the daily mobile deposit limit or attempted to deposit a check amount that exceeds the limit. If the deposit was made after the cut-off time, it will be processed the next business day, which may seem like a delay.

How To Fix Navy Federal Mobile Deposit Not Working

1. Verify Your App Is Up To Date

Before diving into troubleshooting, ensure that your NFCU mobile app is up to date. Outdated versions may have compatibility issues or bugs that have been resolved in newer updates. Also, check that your account is in good standing and that you have mobile deposit permissions.

Updating the Navy Federal Credit Union app on your Android or iOS device is a simple process. Here’s how to do it:

For Android Devices:

  • Open the “Google Play Store” app on your device.
  • Tap on the “menu (three horizontal lines)” icon at the top left corner of the screen.
  • Select “My apps & games.”
  • Find the “Navy Federal Credit Union” app in the list of pending updates.
  • If an update is available, tap the “Update button next to the app.
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For iOS Devices:

  • Open the “App Store “on your iOS device.
  • Tap on the “Today” tab at the bottom of the screen.
  • Tap on the “user profile” icon at the top right corner of the screen.
  • Scroll down to see “pending updates” and release notes.
  • Find the “Navy Federal Credit Union” app.
  • If an update is available, tap “Update” next to the app.

2. Verify Your Navy Federal Credit Union Account Status

It’s important to maintain your account in good standing and keep your personal information updated to ensure continued access to NFCU’s mobile deposit service.

To use the mobile deposit service provided by Navy Federal Credit Union (NFCU), members must meet specific eligibility criteria set by the credit union.

These issues can include, but are not limited to:

  • Potential fraud or security concerns: If there’s suspicious activity that suggests fraud or a threat to the security of your account, NFCU may restrict access to mobile deposit services.
  • Unknown address: If NFCU does not have a current address on file for you, or if issues are verifying your address, this may affect your eligibility.
  • Identity or membership verification problems: Accurate identification is crucial for financial services. If NFCU cannot verify your identity or membership status, access to the mobile deposit service may be denied.

To check your account status on the Navy Federal Credit Union app, follow these simple steps:

  • Open the “Navy Federal Credit Union” app on your mobile device.
  • Log in using your “username and password.”
  • Once logged in, your account status, including balances and recent transactions, will typically be displayed on the main dashboard or under the “Accounts” section.
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3. Inspect the Check for Readability

The mobile deposit feature requires a clear image of the check. Make sure the check is not wrinkled or torn, the written amounts are clear, and the check is properly endorsed.

Ensure that the check lies flat and the area around it is well-lit when capturing the image.

4. Check Your Internet Connection

A stable internet connection is crucial for mobile deposits. If you’re using Wi-Fi, ensure it’s connected and stable. If you’re using mobile data, check that you have adequate signal strength and data allowance.

  • On and Off aeroplane mode to re-establish network connections.
  • If you use Wifi, Restart your modem: Unplug your modem and router, wait about 30 seconds, then plug them back in and wait for them to fully restart.

4. Follow Proper Image Capture Guidelines

A dirty camera lens can cause image clarity issues. Gently clean your smartphone’s camera lens with a soft cloth to remove any smudges or debris.

When taking a picture of your check:

  • Use a dark, non-reflective background to provide contrast.
  • Align the check within the on-screen guides.
  • Hold the device steady or use a stand to avoid blurriness.
  • Capture the entire check, including all four corners, without any cutoffs.

6. Confirm Deposit Limits and Cut-Off Times

Ensure that your check amount does not exceed the mobile deposit limit of $50,000 per business day. Also, submit your deposit before the 6:00 pm ET cut-off time to ensure it’s processed the same day.

7. Clear Navy Federal Credit Union App Cache and Data

Sometimes, clearing the app’s cache and data can resolve issues. It will clear the temp files stored in the device and ensure the app directly gets the data from the primary server. However, be aware that you may need to log in again and set up any preferences after doing this.

  • For Android: Go the “Settings “> “Apps” > Click on “Navy Federal Credit Union App” > “Storage” > “Clear cache” and “Clear Data
  • For iOS:Settings” > “General” > “iPhone Storage” > “Offload App
  • Finally, restart your phone to proceed further.
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9. Reinstall the NFCU Mobile App

If none of the above steps work, try uninstalling and then reinstalling the NFCU mobile app. This can fix issues caused by corrupt app files or incomplete updates.

To Uninstall Navy Federal App:

  • For Android: Long press “Navy Federal Credit Union App” > Click on “Uninstall App
  • For iOS: Press and hold the “Navy Federal Credit Union app” icon > Tap on “Remove App” or the minus “(-)” sign.

To Install Navy Federal App:

  • For Android: Go to “Play Store” >Search “Navy Federal Credit Union App” > Click on “Install
  • For iOS: Go to “App Store” >Search “Navy Federal Credit Union App” > Click on “Install

10. Contact NFCU Support

If you’ve tried all the above steps and your mobile deposit is still not working, contact NFCU support for assistance. They can provide specific guidance and, if necessary, escalate the issue to their technical team.

To contact Navy Federal Credit Union (NFCU) Support, you can follow these steps:

  • Phone Support: Call NFCU’s customer service number at “1-888-842-6328″. They offer 24-hour service for assistance.
  • Online Chat: Visit the NFCU website and use their online chat feature for real-time support from a member representative.
  • Visit a Branch: Locate your nearest NFCU branch and visit in person to speak with a representative for assistance.