ATM and Mobile Deposit FAQs
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ATM and Mobile Deposits are secure AND easy!
Does trusting a machine to handle your cash and/or checks make you uneasy? If so, read on to learn how making deposits at the ATM or on the Numerica App are just as secure as making an in-person deposit at the branch.
Some of the reasons to use an ATM:
- Drive up convenience
- 24-hour access
- Check your balance
- Make a payment on a Numerica loan
- Withdraw cash denominations of $5, $20, and $50
Hopefully the following ATM and Mobile Deposit FAQs will help give you the confidence to give these options a try. You might also appreciate watching this short video on how to use an ATM.
Numerica ATM Transaction Basics
How long does it take an ATM check deposit to clear? Is there a hold on my check?
ATM check deposits
At a minimum, the first $500 is released immediately with the remainder held for 2 business days. ATM check deposits are reviewed hourly and additional funds may be released sooner for accounts with compensating balances.
Mobile App check deposits
Once a member has been with us for 30 days, they can receive their average monthly deposit + $750 OR the total of their combined Numerica account balances, whichever is greater.
New members will receive $1000 immediate availability as long as they don't have unpaid accounts at other financial institutions. If they do have unpaid accounts they will receive $500 in immediate availability. Anything over that will have a 2-business day hold placed on it.
Can I cash a check through an ATM?
Yes! When depositing a check at an ATM you can do a second transaction to get cash back.
Can I deposit cash or checks at an ATM that’s not my credit union?
Yes, you can! Make sure it’s a shared branching/CO-OP ATM.
Is it safe to deposit my cash in an ATM?
Yes! While making a deposit at an ATM, you have a chance to verify the amount or cancel the transaction. If the transaction is cancelled, your cash or check is returned. If something goes wrong, you can file a dispute with your local branch or give us a call at 800.433.1837.
If the card is not from Numerica, you will need to contact the issuing financial institution to file a dispute.
Are there limits to my ATM or mobile deposit? How much cash can I deposit at an ATM?
ATMs will accept 30 checks or 50 bills at one time. So potentially, you could deposit cash up to $5,000.
Mobile deposit on the Numerica App is limited to $10,000 a day, 10 checks per day, $20,000 a month and up to 20 checks a month.
How long does the ATM hold my cash when I make a deposit?
Cash is available in your account immediately.
How can I get to the ATM if it’s behind the locked doors of the branch’s vestibule?
Several Numerica branch locations have 24-hour ATMs located in vestibules that lock after hours. To access these ATMS, locate the card reader near the door and swipe your debit card to gain access into the secure location. This gets you access to the ATM while the rest of the branch is still secured.
What items are NOT accepted for deposit in an ATM?
- Foreign checks and currency
- US savings bonds
- Image Replacement Documents (IRDs)
- Deposit slips or internal documents with routing and transit number starting with 5 or 6
- Starter checks/counter checks that don’t have a check serial number
Can I deposit a money order? Are money orders allowed for ATM or mobile deposit?
Yes, both ATMs and mobile deposit accept money orders. Be sure to double check the amount before completing the deposit since they may not be read correctly.
I’m worried about fraud and safety when I make a mobile deposit. Is identity theft an issue?
Mobile deposit requires more verification than in-person deposits with username, password, authentication, and a security question to answer before you are able to access your account. Learn more about protecting yourself from fraud and identify theft. Numerica ATMs have several security measures in place to help protect your card information during a transaction.