DepositFirst FAQ

General Questions

Q:  What is DepositFirst?

A:  First Coast CCU members can deposit checks using their Apple® or Android device through DepositFirst. DepositFirst is a free feature available through the First Coast CCU iOS Application and Google's Android operating system.

Q:  Is DepositFirst available to all First Coast CCU Members?

A:  DepositFirst is available to most First Coast CCU members whose accounts are in good standing.

Q:  Is DepositFirst secure?

A:  Yes. We use SSL encryption to communicate securely with our services, as well as state-of-the-art security measures to protect your personal information and account(s).

Q:  What are the system requirements for DepositFirst?

A:  You must have the First Coast CCU iOS App version 2.3 or higher or an Android phone operating on Google's Android operating system version 2.4.1 or higher.

Q:  Is DepositFirst available on Android?

A:  Yes. DepositFirst is available on Android phones operating on version 2.4.1 or higher.

Q:  Is DepositFirst available through First@Home banking using my desktop computer and scanner?

A:  Not at this time.

Q:  Do I have to be a member of First Coast CCU to use DepositFirst?

A:  Yes, DepositFirst is available to most First Coast CCU members.

Q:  Do I have to enroll in the DepositFirst to use it?

A:  Yes. You will be asked to accept the terms of agreement the first time you use DepositFirst.

Q:  Can my DepositFirst eligibility be revoked?

A:  Yes. First Coast CCU reserves the right to revoke access to DepositFirst without prior notification.

Q:  Can I deposit to any of my shares with DepositFirst?

A:  You can use DepositFirst to deposit funds to your Savings, Checking, and Money Market accounts.

Q:  Can I deposit any check with DepositFirst?

A:  You should only use DepositFirst for domestic checks not drawn on your own account. Checks must be made payable to an owner of the share and must have an endorsement on the back. The endorsement must also contain For FCCCU Remote Deposit Only” on the back of the check.  Checks will not be accepted if they are incomplete, post-dated or stale-dated, made payable to a third party, or stamped with a "non-negotiable" watermark. Be sure your checks have no evidence of alteration or contain a restrictive endorsement. Savings Bonds are not eligible for DepositFirst.

Q:  Should I endorse the back of the check?

A:  Yes. If you don't endorse the back of the check, your DepositFirst will not go through. Your endorsement should include your signature and the account number to which you are making the deposit, including the share ID and also have “For FCCCU Remote Deposit Only”

Q:  I inadvertently selected the wrong account for the deposit. What should I do?

A:  You may transfer funds via First@Home or mobile.

Q:  Can I view DepositFirst check images online?

A:  Not at this time.

Q:  What should I do with the check once it's been accepted with DepositFirst?

A:  Separate your "DepositFirst" (endorsement on the back of the check to help you easily identify) checks that you have already deposited. Retain the check in a safe place for 90 (ninety) days and then it should be destroyed. This is a completely electronic process and you don't need to mail the physical check to First Coast CCU.

Q:  Who can I contact for more information or assistance with the application?

A:  If you need further information or assistance, you may contact us at or call 386-328-5555 to speak to a Member Service Representative.

Q:  What do I do if I can't get DepositFirst to work?

A:  Review the Troubleshooting Tips to assist with using the application. If you need further assistance, contact us at or call 386-328-5555 to speak to a Member Service Representative.

Funds Availability Questions

Q:  How will I know that my deposit was accepted and credited to my account?

A:  A notification will be sent to your email address on file when the deposit is made to your account.

Q:  When is my money available for use?

A:  Generally, deposits are made available after the 1st business day; however, the check hold rules will be applicable based on Reg CC.  In some cases, a longer hold may apply. Refer to your Membership Booklet for funds availability information.

Q:  Are there deposit limits associated with DepositFirst?

A:  Your deposit limit is based on a 30-day rolling limit. Your current remaining limit will be displayed when you access DepositFirst from your First Coast CCU Mobile App. Assigned limits may change without prior notification.

Q:  Is my DepositFirst deposit subject to a hold?

A:  Generally, deposits are made available after the 1st business day. However, in some cases a hold may apply.  You will receive an email notification of a hold placed on funds deposited through DepositFirst.

Q:  Why is my balance not reflecting my recent DepositFirst?

A:  In some cases, your DepositFirst will be held for review and not immediately posted to your share. During the DepositFirst session, you will be notified if your deposit was immediately posted or held for review. The review process should take no longer than one business day. Once the DepositFirst has been reviewed, you will receive an email notification that the funds are in your account, or that the deposit was rejected, adjusted, or placed on hold.

Troubleshooting Tips

Steps to capture the check images:

  • After entering the dollar amount of the check, tap “Capture Check Front” to enable the camera.
  • After successfully capturing the front image, wait for “Capture Check Back” to appear, and then tap it to enable the camera.
  • If the camera does not focus properly on the image, close the camera window and click “Capture Check Front” or “Capture Check Back” to enable the camera again.

What to do if the check image is not accepted:

  • Ensure the numbers printed on the bottom of the check (Magnetic Ink Character Recognition MICR) line are clear and readable.
  • Check for any stray writing or other markings in the MICR line that could prevent DepositFirst from clearly reading the numbers.
  • Ensure that the MICR line was not cropped out, which would prevent DepositFirst from clearly reading the numbers.
  • Use a dark background, clear of shadows, to take the picture of the check.

DepositFirst may take up to one business day to post to your account. First Coast CCU hold policies apply. Please refer to your Membership Booklet for First Coast CCU's Funds Availability Policy Disclosure. You will be notified by email if your DepositFirst has been accepted, rejected, or placed on hold.