Frequently Asked Questions - Mobile

It’s Online Banking specifically designed in an easy-to-view format for your mobile phone.

Mobile Banking gives you access to the most popular Online Banking features. However, for services such as viewing e-statements or setting up e-alerts, you’ll still need to access Online Banking.

Open your mobile phone web browser and go to or download the Android or iPhone app.

No. You just need to be registered to use our existing Online Banking service and have a username and password already set up. If you’re new to Online Banking, click here to get started.

Yes! Mobile Banking has the same security features as regular Online Banking. All data between Credit Union of Colorado and our members is 128-bit SSL-encrypted. No data is stored on your phone and your Online Banking session automatically times out after a 10-minute period of inactivity. Still, it’s smart never to share your account number or password with anyone.

If you are an iPhone user, we recommend that you not install items on your iPhone that are not approved by Apple, and that you not remove restrictions on your iPhone imposed by Apple. This helps keep your device secure and prevents it from being targeted by malware.

If you follow this advice, using your iPhone for Mobile Banking or any other service will always remain secure.

If you have installed software on your iPhone that has not been approved by Apple, you can use iTunes to restore the device to Apple’s factory firmware. Changing passwords alone will not protect you from malware.

Note: Like any computer, your web-enabled cell phone or smartphone is susceptible to viruses, malicious sites and applications. Be sure to use the same caution when opening emails, clicking on links, and surfing the web via your phone, as you do with your computer.

This depends on which Mobile Banking application you use. If you use the web browser-based version, account information will not be stored on your device. If you use a downloadable application such as the iPhone app or MFM, account balance information is stored on the device. Both applications, however, are secured by your username and password.

All data transmitted during Online Banking is protected by 128-bit SSL (Secure Sockets Layer) encryption technology—one of the highest levels of security for protecting confidential data transmission. The encryption process converts all transmitted information into strings of unrecognizable data, so even if the data transmission is intercepted and recorded, no sensitive information can be retrieved.

Yes, you can view your transaction history through our Mobile Banking.

You don’t need to contact us, because your details and account information are not stored on your phone.

Account information is current in real-time through our Mobile Banking. In some cases, you may need to refresh the balance information manually if you are using one of the downloadable applications.

Yes, you can pay existing bills through mobile banking. New bills must be set up using Online Banking.

Yes, up to 5 mobile devices can be registered with Credit Union of Colorado Mobile Banking.

No. Funds can only be transferred between accounts under the same Credit Union of Colorado member number.

Yes, however data roaming charges may apply. Contact your mobile service provider to check.

For security reasons, the Mobile banking session will expire after 10 minutes of inactivity. Simply sign on again.

We aren’t aware of any carriers that do not support our Mobile Banking on their networks.

iPhone™, iPod™ Touch or Android. Other supported mobile devices can be found here.

Yes. But for security, you should wipe your mobile device before disposing of or recycling it.  

Mobile Deposit allows you to conveniently deposit checks using the camera on your Apple or Android smartphone or tablet. You have the ability to make deposits into your account anytime, anywhere.

Mobile Deposit is free to use.

You can deposit into any of our personal checking accounts, savings accounts, or insured money market accounts.

Yes. When you first access this service with your smartphone or tablet, you must accept Terms and Conditions prior to using Mobile Deposit.

Yes. Once you have agreed to the Terms and Conditions, you have immediate access to Mobile Deposit. New members have access to this service within one business day.

Deposits usually post to your account within minutes of scanning your check. The availability of funds is based on our Mobile Deposit Terms and Conditions.

Yes. The daily limit is $3,000 per day per member.

Yes. The monthly limit is $10,000 per month per member.

Yes. You can make several deposits per day up to a limit of $3,000. However, there may be a two-business-day hold placed on some or all the items deposited that day. If you have any questions about daily limits, email us at or call us at 800-444-4816.

Yes. There may be holds, similar to depositing a check at a branch or ATM.

Domestic checks made payable to the owner(s) of your Credit Union of Colorado account.

IMPORTANT NOTE: These items CANNOT be used with Mobile Deposit and must be brought to one of our branch offices:

  • savings bonds
  • foreign checks
  • third-party checks
  • items stamped "non-negotiable”
  • incomplete checks
  • stale-dated checks (more than 6 months old)
  • post-dated checks (dated for a future day)
  • any checks that contain evidence of alteration to the information
  • checks purporting to be a lottery or prize winning

If you have any questions, email us at, or call us at 800-444-4816.

Yes. Endorse the back of your check with “Mobile Deposit CUofCO,” account number, and signature. If you don’t, you’ll get an error message and be asked to endorse the check again and retake the photo.

No. Variation in check sizes, colors and designs can impact the readability of the check. If a check cannot be read, bring the check into one of our branch offices or mail it to: Credit Union of Colorado, 1390 Logan St, Denver, CO 80203. NOTE: We recommend that you save your checks for 30 days.

Please keep the check for at least 30 days in case there is a problem with the deposit. After 30 days, and confirmation that the deposited funds have been correctly applied to your account, shred the check or mark it "VOID.”

Canceling is not necessary. This service is available for you to use as needed and is free of charge.

Yes. The link between your mobile device and our Mobile Deposit site are encrypted to industry standards. Your scanned check is safe and secure.

The quickest way to verify your deposit is to go into Online Banking or Mobile Banking and see the deposit credited to your account.

If you are using a 1st generation or 2nd generation iPad, you cannot use our Mobile Deposit feature, because your device doesn’t have a camera or has a low quality camera.