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iTeller on-the-Go FAQs

SEFCU's iTeller on-the-Go service allows you to deposit checks quickly and securely using our mobile app.

What is iTeller on-the-Go?

iTeller on-the-Go is a free service that allows users to deposit checks into their accounts quickly and securely using SEFCU's mobile banking app from an iPhone® or Android®. Once logged into SEFCU's mobile app, members can utilize the camera on their iPhone or Android to upload images of their checks to their account. Checks will be automatically deposited into the member's account, subject to daily deposit limits and regular check hold policies.

What are the advantages of using iTeller on-the-Go?

With iTeller on-the-Go, members will:
• Save time by avoiding unnecessary trips to the branch
• Deposit checks to their account on their schedule, 24-7

How secure is iTeller on-the-Go? Is my personal information safe?

Yes! Since you are accessing iTeller on-the-Go through SEFCU’s app you can feel confident knowing your confidential information is secure.

What is the cost to use iTeller on-the-Go?

There is no cost to download and use SEFCU's mobile banking app. In the event a deposited check is returned or creates an overdraft, normal fees apply.

Who is eligible for iTeller on-the-Go?

All members who are in good standing for at least 90 days with a checking account and SEFCU OnLine will be eligible for a minimum $1,000 daily check deposit limit. Other daily limits are available based on additional factors. Click here for more information.

How do I enroll in iTeller on-the-Go?

If you haven't already, visit the App Store or Google Play to download or update SEFCU's mobile banking application. There is no cost to download the app other than normal data charges your cell phone carrier may charge. Once the app is downloaded, select “Deposit Checks” and review and accept the “Mobile Remote Deposit Capture Agreement.” Once you accept the agreement you can begin scanning and depositing checks from your iPhone or Android.

What are the mobile phone requirements for using iTeller on-the-Go?

iTeller on-the-Go is available to all members who have installed SEFCU’s mobile app on their iPhone or Android and have accepted the new SEFCU OnLine Banking Disclosure.

Can iTeller on-the-Go be used on a tablet or iPad?

See the App Store or Google Play for compatible devices.

Can I deposit checks payable to someone else (third party checks) using iTeller on-the-Go?

No. Third party checks are not eligible for processing using iTeller on-the-Go. These checks can be deposited at any SEFCU branch.

Will there be a check hold on my account for the items deposited through iTeller on-the-Go?

SEFCU's standard check hold policy may apply for any item deposited using iTeller on-the-Go.

What should I do with my check after it has been deposited? How long should I keep the paper checks?

Checks that have been scanned and successfully deposited should be retained for a minimum of 45 days and then destroyed (i.e., shredded).

How do I endorse a check for iTeller on-the-Go?

The back of each check must include the following when making a deposit using iTeller on-the-Go:
• Payee's endorsement (Signature)
• "For Mobile Deposit"
Checks that are not endorsed as outlined above may be rejected.

How do I know if my check deposit was successful?

You will see each check deposit as a separate credit to your account with the description “SEFCU/iTeller/Year-Month-Day/PPD.”

Note:
Funds deposited and accepted by 11 a.m. EST Monday through Friday (excluding holidays) will be available by 12:30 p.m. that same day and funds deposited and accepted by 4 p.m. EST Monday through Friday (excluding holidays) will be available by 6 p.m. EST that same day. Deposits made after 4 p.m. EST will be available at 12:30 p.m. EST the following business day. If you have any questions, please call SEFCU's Member Solutions Center at 518-452-8183 or 800-727-3328. Standard check holds may apply. Click here for check hold policy.

How do I view my check deposit history?

You can view deposits through SEFCU OnLine, by using SEFCU’s mobile app, or Text Banking.

Note: Funds deposited and accepted by 11 a.m. EST Monday through Friday (excluding holidays) will be available by 12:30 p.m. that same day and funds deposited and accepted by 4 p.m. EST Monday through Friday (excluding holidays) will be available by 6 p.m. EST that same day. Deposits made after 4 p.m. EST will be available at 12:30 p.m. EST the following business day. If you have any questions, please call SEFCU's Member Solutions Center at 518-452-8183 or 800-727-3328. Standard check holds may apply. Click here for check hold policy.

What do I do if the writing on the check is too light or difficult to read?

Checks that cannot be verified through a photo will need to be processed at a SEFCU branch.

What happens if I forget to sign the back of the check?

If you forget to sign the back of your check it will be rejected. After properly endorsing the item, it may be rescanned.

Why doesn't my current account balance reflect my recent deposit?

Your balance might not show your recent deposit depending on when the deposit was made using iTeller on-the-Go.

Note: Funds deposited and accepted by 11 a.m. EST Monday through Friday (excluding holidays) will be available by 12:30 p.m. that same day and funds deposited and accepted by 4 p.m. EST Monday through Friday (excluding holidays) will be available by 6 p.m. EST that same day. Deposits made after 4 p.m. EST will be available at 12:30 p.m. EST the following business day. If you have any questions, please call SEFCU's Member Solutions Center at 518-452-8183 or 800-727-3328. Standard check holds may apply. Click here for check hold policy.

What types of checks can be processed through iTeller on-the-Go?

Only checks payable through financial institutions located in the United States are eligible for deposit. Third party checks (checks not made payable to you), however, are not eligible for deposit using this service. In addition, checks older than six months are not eligible for deposit.

What happens if the check is rejected by SEFCU after it is reviewed?

If your check is rejected but eligible for rescan, a representative from SEFCU will contact you. If your deposit cannot be processed using iTeller on-the-Go, you may take it to any SEFCU branch for deposit.

Can I cancel a check deposit that has been processed?

No. Once the “Confirm your Deposit” button has been selected and the transaction receipt is displayed, the deposit cannot be cancelled.

What time is the iTeller on-the-Go service available?

Checks can be scanned 24 hours a day, seven days a week.

Note: Funds deposited and accepted by 11 a.m. EST Monday through Friday (excluding holidays) will be available by 12:30 p.m. that same day and funds deposited and accepted by 4 p.m. EST Monday through Friday (excluding holidays) will be available by 6 p.m. EST that same day. Deposits made after 4 p.m. EST will be available at 12:30 p.m. EST the following business day. If you have any questions, please call SEFCU's Member Solutions Center at 518-452-8183 or 800-727-3328. Standard check holds may apply. Click here for check hold policy.

When will deposits be posted to my account and be available for use?

Funds deposited and accepted by 11 a.m. EST Monday through Friday (excluding holidays) will be available by 12:30 p.m. that same day and funds deposited and accepted by 4 p.m. EST Monday through Friday (excluding holidays) will be available by 6 p.m. EST that same day. Deposits made after 4 p.m. EST will be available at 12:30 p.m. EST the following business day. If you have any questions, please call SEFCU's Member Solutions Center at 518-452-8183 or 800-727-3328. Standard check holds may apply. Click here for check hold policy.

Can I make a loan payment through iTeller on-the-Go?

Deposits can only be made to your Share Draft through iTeller on-the-Go.

I don't have a smartphone. Can I still use iTeller on-the-Go?

Currently, members can only access iTeller on-the-Go with compatible smartphones (iPhone or Android). However, with iTeller Home, members can scan and deposit checks from their home computer.

Who should I contact with problems for iTeller on-the-Go?

For issues with SEFCU's mobile app and/or its features, please contact the Member Solutions Center at 518-452-8183 or 800-727-3328 for assistance.

Where can I read additional information regarding this feature?

An informative video on how to set up iTeller on-the-Go and additional information is available.