Purdue Federal Credit Union (Purdue FCU) offers a convenient mobile check deposit feature, but it's crucial to understand the proper endorsement procedure to ensure your deposit is processed smoothly and securely. Incorrect endorsement can lead to delays or rejection of your check. This guide will walk you through the steps of properly endorsing a mobile check for Purdue FCU.
Understanding Check Endorsement
Before we dive into the mobile check endorsement process, let's clarify what endorsement means. Endorsement is the act of signing the back of a check, authorizing the transfer of funds to the payee's account. For mobile deposits, you'll need to endorse the check in a specific way for Purdue FCU's system to recognize it.
Why Proper Endorsement is Crucial
Improperly endorsed checks can cause significant problems:
- Deposit Rejection: Your deposit might be rejected, forcing you to re-submit the check.
- Delays: Processing time will increase significantly.
- Security Risks: An improperly endorsed check leaves your funds vulnerable to theft or fraud.
How to Endorse a Mobile Check for Purdue FCU
Purdue FCU likely requires a specific endorsement format for mobile check deposits. While the exact wording might not be explicitly stated on their website, the safest approach is to follow these best practices:
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Find the Endorsement Area: Locate the back of your check, usually near the top. This is where you'll write your endorsement.
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Sign Your Name: Write your full legal name exactly as it appears on the front of the check. This is the most important part of the endorsement. Ensure your signature matches the one on file with Purdue FCU. Any discrepancies could lead to rejection.
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Add "For Mobile Deposit Only": This is a critical step for Purdue FCU mobile check deposits. This phrase specifically instructs the bank that the check is being deposited via a mobile device, improving security and processing speed. Write this phrase clearly and legibly below your signature.
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Account Number (Optional but Recommended): While not always mandatory, adding your Purdue FCU account number can further expedite the process and minimize any potential confusion. You can find this on your bank statements or online banking portal.
Example:
[Your Full Legal Name]
For Mobile Deposit Only
[Your Purdue FCU Account Number (Optional)]
Troubleshooting Common Issues
- Blurry Signature: Ensure your signature is clear and legible. A blurry signature could lead to rejection. Use good lighting and a steady hand.
- Incorrect Spelling: Double-check the spelling of your name. Any discrepancies will cause delays or rejection.
- Missing "For Mobile Deposit Only": Always include this phrase. This is crucial for mobile deposits.
If your check is rejected: Contact Purdue FCU customer support immediately. They can help you understand the reason for the rejection and guide you on resubmitting the check correctly.
Mobile Check Deposit Best Practices
- Use Good Lighting: Ensure the check is clearly visible during the mobile deposit process.
- Check for Tears or Damage: Avoid depositing damaged checks; they are more likely to be rejected.
- Keep a Record: Keep a copy of the check and the deposit confirmation for your records.
By following these steps, you'll ensure a smooth and secure mobile check deposit experience with Purdue FCU. Remember, a correctly endorsed check is vital for avoiding delays and potential issues. If you have any questions or concerns, always contact Purdue FCU directly for clarification.
