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Office Hours
Monday-Thursday 8:30 - 4:30
Friday 8:30 - 5:00
Saturday (Drive-Thru Only) 9:00 - 12:00
Mon.-Fri. Drive Thru Opens at 8:00








Mobile Deposit Requirements

1.  You must be a member with an active checking account for 6 months.

2. You must not have any overdrafts within the past 6 months.

3. You must have the Mobile App as well as Home Banking.

4. Users must enroll by complete the enrollment form located on the mobile app, or in our offices.

(An active checking account is considered 6 month history with a minimum of 10 transactions monthly.)

Deposit Instructions:

1. Log in to your NCCU Mobile Banking app

2. Endorse the back of the check as “For mobile deposit only" and your signature

3. Select Deposits from the Menu        

4. Select New Deposit        

5. Select the account to receive the deposit        

6. Enter the amount of the check        

7. Take a photo of the front and back of the check        

8. You will receive a confirmation via email that your deposit is being processed

9. Write on the front of the check “Mobile Deposit on DATE” (where date is the full date you deposited the check by Mobile Deposit)       

10. Securely store your check for 30 days after deposit

Check Image Tips:

1. Take photo against a background with a strong contrast between the check and the surrounding area

2. Position the camera above the check so there is no angle

3. Move any objects that show up in the picture away from the check

4. Make sure the check is visible, contains all four corners, is well lit and in focus

5. The check must contain a readable;  check number, payee name and endorsement

6. The check must contain a readable character (numeric) amount of the check and legal amount of the check

7. The check must be drawn on an institution located within the United States

Check Safekeeping, Retention and Destruction:

1. Mobile Deposit users are required to retain the original check for 30 days after the deposit has been transmitted to the bank

2. This provides sufficient time for research in case there is an issue with the image quality or if the original item is required for any other reason

3. The paper check should be stored in a secure place with “Mobile Deposit, DATE (where DATE is the full date you deposited the check by Mobile Deposit)

4. Mobile Deposit users are required to securely and irretrievably destroy the original paper check after 30 days.

5. A cross-cut or diamond shredder will assist in complete destruction of check information.  

6. Do not leave deposited checks lying around, do not put deposited checks in trash or recycle containers, unless they have been shredded first.     

  Deposit Limits:

1. $1,000 daily deposit limit per user or 3 checks

Funds Availability:

1. For deposits received and accepted before 2:30 pm Eastern Time on a business day that we are open, we will consider that day to be the day of your deposit.  Funds from your deposit generally will be available to you on the first business day after the day we receive your deposit. 



External Link Disclaimer: The appearance of a link on this or any other Northeast Community Credit Union page constitutes neither an endorsement nor recommendation by NCCU. The presence of a link in any way should not be construed as a suggestion that the site has any relationship with NCCU. When viewing these pages please remember that: (1) NCCU is not responsible for the content, product or services advertised on those sites; (2) NCCU does not guarantee the products, information, or recommendations provided by linked sites; (3) NCCU is not liable for any failure of products or services advertised on those sites; (4) The linked website may have a privacy policy different than that of NCCU; (5) The linked website may provide less security than that of NCCU's website.
Main Office
980 Jason Witten Way
Elizabethton, TN  37643
Fax: 423-547-3825
Johnson City Branch
313 W. Oakland Avenue
Johnson City, TN  37604
Fax: 423-722-6230
Elizabethton Branch
1321 Highway 19E
Elizabethton, TN  37643
Fax: 423-543-7783
Roan Mountain Branch
8301 Highway 19E
Roan Mountain, TN  37687
Fax: 423-772-0004
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Lost VISA Credit Card
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Equal Housing Lender - Member NCUA
Rates subject to change without notice
Certain Restrictions Apply

 © 2008 Northeast Community Credit Union