Affinity plus credit union mobile deposit funds availability

Deposit checks anytime, anywhere with a just a few taps on you phone. Yep, no more driving to a branch!

Here’s how to get started

  • Log into your account via Affinity’s mobile app
  • Select the “Deposit” icon from the menu bar
  • Select Register
  • After your registration has been submitted, your account will be reviewed within one business day.
  • The status of your registration can be found by clicking the “Deposit” icon and select “New Deposit”.

Affinity plus credit union mobile deposit funds availability

There’s no way it’s that easy, right?

We made a video of an actual check deposit. See all 24 seconds for yourself.

Helpful Tips

  • Be sure to SIGN YOUR CHECK and write “FOR MOBILE DEPOSIT ONLY AT ACU
  • Keep check for 30 days to ensure it is not rejected or returned


*Must be enrolled in Affinity’s Online Banking and Mobile App in order use Affinity’s Mobile Check Deposit service. Checks $500 or less will be instantly available, dependent upon other security factors. Checks over $500 are manually inspected and approved by our staff throughout the day. Once approved, 100% of funds will be instantly available.


Affinity plus credit union mobile deposit funds availability
Affinity plus credit union mobile deposit funds availability

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Transfers, deposits, Bill Pay, cash withdrawals, and more

Deposit a Check from Mobile

Use mobile check deposit to easily deposit checks from anywhere using the mobile banking app.

Rather watch how it's done instead? Check out the video tutorial.

  1. Sign the back of your check.
  2. Open the mobile banking app and tap the check deposit (camera) icon in the bottom menu (it’s the second option on the menu).
  3. Take a picture of the front of the check.
  4. Take a picture of the back of your check.
  5. Enter the amount of the check.
  6. Tap the Deposit button.

A portion of your funds may be immediately available; however, we may place a hold on the funds if we require further review of the deposit.

You’ll receive an email receipt for the deposit and if any adjustments are required, a follow-up confirmation email will be sent.

Tips:

  • In addition to smoothing out creases, it helps if you put your check on a contrasting background.
  • The mobile check deposit will attempt to automatically capture the check photo. If it’s unable to, a manual take photo option will come up after a couple of seconds.
  • The Affinity Plus mobile banking app needs permission to access your device’s camera in order for mobile check deposit to work. If this access has been disabled, you can enable it from your device’s Settings app.

Deposit Cash at an ATM

All Affinity Plus branch locations have a deposit-taking ATM. No envelope is needed, you just need your Affinity Plus debit card.

You can also use our ATM Finder to find the nearest ATM within our network that accepts deposits.

To deposit cash:

  • Stack your bills in preparation of inserting them into the ATM.
  • Insert your debit card and enter your PIN.
  • Select the deposit option and follow the prompts.

Deposit Checks at an ATM

All Affinity Plus branch locations have a deposit-taking ATM. No envelope is needed, you just need your Affinity Plus debit card.

You can also use our ATM Finder to find the nearest ATM within our network that accepts deposits.

To deposit your check(s):

  • Endorse the back of your check(s).
  • Insert your debit card and enter your PIN.
  • Select the deposit option and follow the prompts.

Direct Deposit

To set up direct deposit to your Affinity Plus account, here’s the information you’ll need to provide.

  • Affinity Plus routing / ABA number: 296076301
  • Your Account Number
  • The account type (checking or savings)

If you need a form from us with this information, please send us a secure message or start a live chat.

Get Cash from ATMs

There's no surcharge fee when you use your Affinity Plus debit card at an Affinity Plus ATM or at an ATM within our network (MoneyPass, CO-OP and SUM). Transactions made outside of our network may be subject to third-party fees.

Make a Domestic Wire Transfer

Our outgoing domestic wire transfer fee is $15. And please note that the receiving institution may also charge their own fee.

If this is your first wire transfer with us, please contact us and let a member advisor help!

If you've sent a wire transfer from Affinity Plus before, you can fill out a Domestic Wire Transfer Request form in online banking only (not the mobile app).

You can also access this form from online banking's Contact screen. Select Domestic Wire Transfer on the left, then fill out and submit the form.

Make an International Wire Transfer

Our outgoing domestic wire transfer fee is $40. And please note that the receiving institution may also charge their own fee.

If this is your first wire transfer with us, please contact us and let a member advisor help!

If you've sent a wire transfer from Affinity Plus before, you can fill out an International Wire Transfer Request form in online banking only (not the mobile app).

You can also access this form from online banking's Contact screen. Select International Wire Transfer on the left, then fill out and submit the form.

Receive a Wire Transfer

Our incoming wire transfer fee is $10. To receive funds through a wire transfer, you'll need to provide the following information:

  • Your full name as it appears on your membership and account
  • Your address
  • Your account number (you'll find this on the Account Details screen in digital banking)
  • For domestic wires, the Affinity Plus routing number: 296076301
  • For international wires, the Affinity Plus Swift Code: APFDUS44XXX
  • The Affinity Plus address for incoming wires:

    Affinity Plus Federal Credit Union
    175 W. Lafayette Frontage Rd.
    St. Paul, MN 55107

Transfer Between Accounts

Transfers between your accounts within the same membership can be scheduled for immediate, future, or recurring. There aren't date restrictions (weekends or federal holidays) for internal transfers.

You'll only be able to select the accounts which allow transfers. For example, you cannot transfer from a WINcentive™ Savings, so it won't be available as a transfer FROM account in the Transfer Money screen.

Transfer to an Outside Account

Transfers to accounts outside of Affinity Plus, external accounts, can be scheduled or can be set up as recurring. External transfers usually process within 2–3 business days, excluding weekends and federal holidays.

Want to watch a tutorial of the process? Check out the transfers video.

Set up an External Account

External accounts are set up from Move Money from either the mobile banking app or the online banking website. This processes uses micro deposits to verify accounts, so it can take 1-2 business days to get an external account set up.

Once the account is set up it will stay in your list of accounts to transfer to.

Use Bill Pay

Bill Pay is a service provided in the mobile banking app and online banking. There isn't a fee to use this service.

How it Works

Payments made through Bill Pay are sent directly to your payee, and done so electronically when possible. Most companies across the U.S. can receive electronic payments, but if the payee CAN’T receive them, a paper check is mailed to the address you provide.

Bill Pay Timing

At the time you're making the payment, you'll select the Deliver By date, and the calendar will automatically display the earliest possible date for this the payee. For electronic payments, this is typically 1 – 3 business days; for check payments, it's typically 3 – 5 business days.

How to Use Bill Pay

If you’re new to the service, you’ll be taken through the enroll process the first time you access Bill Pay.

Mobile Banking App
Select the Pay Bills option on the Move Money screen. You can add and manage payees, schedule payments, and see your payment history within the app.

For a walk-through of bill pay on mobile, check out the video tutorial.

Online Banking
Select the Bill Pay menu item, then select the Go to Bill Pay button and you'll be directed to the Payment Center website.

How much can you mobile deposit at Affinity Plus?

Maximum daily deposit limits: $5,000 per day. Limits above $5,000 available upon request1. Funds availability: Deposits successfully submitted by 4:00 pm ET, Monday – Friday that is not a federal holiday, will be available after 6:30 pm ET the same business day2.

How long does mobile deposit take?

Mobile deposits can clear in just a few minutes, but it's best to expect about one business day. And by following a couple of quick checkpoints, you can avoid any hitches that could cause a delay. Because in today's impatient world, there's no need to wait much to get access to your money.

How do I deposit a check on my Affinity Plus app?

Log in to your Affinity mobile banking app and select “Check Deposit” from the menu bar. Choose the account that you want to deposit your check to. Enter the amount and be sure it matches the amount written on your check. Sign the back of your check and write, “For Mobile Deposit Only.” This step is very important!

What app lets you cash checks instantly?

With the Ingo® Money App, cash paychecks, business checks, personal checks—almost any type of check—anytime, anywhere. Get your money in minutes in your bank, prepaid card and PayPal accounts.