Mobile Banking

Keeping our member's personal information secure is a priority. A Secure Access Code allows us to authenticate your device, so we know you're the person logging in. This step in the authentication process is required for online banking on your desktop computer and the mobile app on your smartphone. When you first attempt to log in from an unknown device, you'll be asked where you want a Secure Access Code sent. A code can be delivered to you in several ways - a phone call, an email or a text message. Select which delivery method is convenient and a code will be sent immediately. Once you receive the code, enter it and continue with login. If your Secure Access Code doesn't arrive, the contact information on your TTCU account is probably out-of-date. Contact a Member Relations Specialist to verify your contact information. Please note: A Secure Access Code is only valid for a short period of time – approximately 15 minutes. After the code expires, a new one must be requested.

Yes. The TTCU Mobile app works with Android™ and iOS® phones and tablets.

Yes, but first you’ll need to enroll in online banking from a browser - desktop or mobile. Enroll and then simply download our mobile app. Once you authenticate your device, you’ll be off and running. Most of the features in online banking are also available in the mobile app. If you do not have access to a desktop computer, a member service representative will be able to assist you at any branch location.

No. Our interactive locator page includes TTCU branches/ATMs, shared branches and surcharge-free ATMs. Wherever you are, find the most convenient branch or ATM.

To activate fingerprint Touch ID, make sure you have the latest version of our mobile app downloaded. Under Menu, inside the app, visit Security settings under More Options. Slide the Touch ID switch to "On" and read about the feature. Next, select continue and you'll be asked to log in again. This authorizes your app to use Touch ID as your authentication method. When prompted, hold your finger on the home button to log in.

Check the Touch ID settings on your iOS device. Make sure Touch ID is enabled and allowed to be used with iTunes & App Store. Look under Settings and then Touch ID & Passcode.

Mobile Check Deposit is a feature within the TTCU Mobile app. It is a secure service that allows you to deposit paper checks into your TTCU accounts from anywhere using your mobile device. Mobile Check Deposit is available all the time, so no chance of a wait at your local branch or ATM.

The TTCU Mobile app is required for Mobile Check Deposit. The app is currently available for Android™ (greater than 2.1.x) and iOS® devices (iPhone® with iOS 4.3 or later). A camera in your mobile device and a connection to the Internet is required in order to use Mobile Check Deposit.

Within the TTCU Mobile app, select Check Deposit and select the account you want to deposit to and enter the amount of the eligible paper check. The app will then ask you to photograph the front and back of the check using the camera on your smartphone device. After confirming the details of the transaction, the images and associated deposit information are securely delivered to TTCU electronically.

Active members of TTCU with eligible accounts in good standing can enroll for Mobile Check Deposit.

You must first agree to the terms and conditions for Mobile Check Deposit. First log into online banking and click the 'Mobile Deposit Setup' link under More Options. A link to the terms and conditions is located on this page. Please read the terms and conditions before checking the box that says you agree to them. Click the Confirm button at the bottom of the page.

Endorse all checks transmitted through Mobile Check Deposit with "MOBILE DEPOSIT” and sign the back of the check.

These words ensure that your check isn’t deposited again at a TTCU branch or another financial institution. This helps protect your account from theft and fraud. Checks not endorsed with these words and your signature will be rejected.

You can make deposits to your checking, savings or money market accounts.

Mobile Check Deposit is a self-service feature and designed to be user-friendly. If you need help, please contact a member service representative by phone at (918) 749-8828, (800) 234-8828 or in person at any one of our branch locations. Representatives are available by phone between 7:30 am - 7:00 pm Monday through Friday and 8:00 am - 2:00 pm Saturday. If there is a planned interruption of service, TTCU will post an alert on our website.

You will receive a confirmation in the mobile app that your deposit has been transmitted to TTCU. This confirmation signifies that the deposit has been received. Please confirm that the deposit has posted to your account up to two days after the mobile deposit. Receipt of this mobile confirmation does not mean the transmission was error free, complete, or will be considered a deposit and credited to your account. TTCU is not responsible for items we do not receive or for images that are dropped during transmission.

Notify TTCU of any suspected errors regarding your mobile deposit right away, and no later than 60 days after the applicable account statement is provided. Unless you notify TTCU within 60 days from your statement date, such statement regarding all deposits made through Mobile Check Deposit shall be deemed correct, and you are prohibited from bringing a claim against TTCU for alleged errors.

If TTCU subsequently determines that your check was not eligible for deposit, we reserve the right to charge back to your account at any time.

After your mobile deposit, retain the paper check in a safe place for at least 90 calendar days. Do not transmit or provide the check to any other person or financial institution. After 90 days, either destroy the check that you transmitted or mark it as "VOID". During the 90 day period, TTCU may request to see the paper check. Please do not mail the paper check to TTCU unless you are requested to by an authorized TTCU representative.

At this time there are no fees associated with this service. TTCU reserves the right to charge a fee in the future.

TTCU accepts checks drawn on a U.S. financial institution in U.S. dollars. These include:

• Personal checks payable to you
• Business checks payable to you
• Cashier’s checks payable to you

Do not scan or deposit any of the following types of checks. They are considered ineligible items.

• Checks payable to any person or entity other than you
• Checks containing an alteration on the front of the check or item, or which you know or suspect fraud
• Checks payable jointly, unless deposited into an account in the name of all payees
• Checks previously converted to a substitute check
• Checks drawn on a financial institution located outside the United States
• Checks that do not include a handwritten signature (remotely created)
• Checks not payable in United States currency
• Checks dated more than six months prior to the date of deposit
• Checks that are non-traditional (payable on sight or payable through drafts)
• Checks with any endorsement on the back other than what is specified in the User Agreement
• Checks that have previously been submitted through mobile check deposit – at TTCU or any other financial institution
• Checks or items that are drawn or otherwise issued by the U.S. Treasury Department (Tax refund checks or Social Security checks, for example)
• Checks that are prohibited by TTCU's current Membership and Account Agreement with you.
• Checks that are in violation of any federal or state law, rule, or regulation

Please refer to our User Agreement for a complete list.

The current daily dollar limit is $2,000 per check. The number of checks that can be deposited by any member during any monthly statement cycle is limited to eight. If you attempt to initiate a deposit in excess of these limits, TTCU may reject your deposit. If TTCU permits you to make a deposit in excess of these limits, such deposit will still be subject to the terms of the User Agreement, and we will not be obligated to allow such a deposit at other times.

Mobile deposits are subject to TTCU’s check hold procedures and might not be immediately available. Mobile deposits received and accepted before 5:00 pm CST, on a business day on which we are open, will be considered deposited that day. Otherwise, TTCU will consider the deposit made on the next business day on which we are open. Total funds deposited using Mobile Check Deposit generally will be made available in up to two business days from the day of deposit. TTCU may make such funds available sooner or later based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and other factors as TTCU, in its sole discretion, may deem relevant.

The images of your check must be legible for the deposit to be eligible.

Yes. This service requires you to log into the TTCU Mobile app and it is secure. Here are a few tips:

• Public and free Wi-Fi connections should not be used for banking transactions.
• For enhanced security, TTCU recommends using your phone carrier's Internet connections. Usage rates from your mobile carrier may apply.