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CheckFlash Frequently Asked Questions

 

If you're having trouble with our CheckFlash mobile deposit, you may be able to find the answer to your question below. Of course, you are always welcome to contact us if you get stuck. Feel free to browse the FAQs below, or use the links to jump to a section

What is CheckFlash?
How Does CheckFlash Work?
What Do I Do With My Check After I Make a Deposit?
How Soon Can I Use Funds I Deposit?
How Much Can I Deposit?
How do I Get CheckFlash?
Am I Able to Use CheckFlash?
What are the Technical Requirements for the CheckFlash App?
Tips for Best Results with CheckFlash.
Why am I Getting an Error?
I Have Another Question that Isn't Covered Here.

What is CheckFlash?

CheckFlash is the newest addition to our mobile banking app, and allows you to make deposits by simply taking a picture of the front and back of the check. You can make your deposit any time, and there is no need to come to a member services branch or even visit an ATM!

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How Does CheckFlash Work?

The process is very simple. Using your mobile banking app, you simply take a picture of the front and back of a check that you'd like to deposit. That's it! Your check image is securely sent to us, and we'll process it for you.

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What Do I Do With My Check After I Make a Deposit?

After you're done with your deposit, we recommend keeping your check for at least 7 days in case there are any questions. It may be helpful to write yourself a note on the check (such as "deposited with CheckFlash"). After that time, you may destroy the check however you like.

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How Soon Can I Use Funds I Deposit?

In most cases, your deposits follow our standard availability policy (similar to deposits at an ATM). There may be some rare cases where there are additional delays (such as during system maintenance). Note that checks may be subject to our hold policy, which may cause delays in availability.  For clarification on our check hold and availability policies, please contact us.

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How Much Can I Deposit?

You can use CheckFlash as much as you'd like. However, you are limited to $5,000 in deposits per business day (deposits made after midnight or on weekends/holidays count toward the next business day).

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How do I Get CheckFlash?

CheckFlash is a part of our current mobile app. If you have our app and are able to use CheckFlash, you should see a deposit icon like this:
Make a CheckFlash deposit

As soon as you see that icon, you're set—just tap that icon to get started! If you don't see the deposit icon, there may be several reasons. For more information, see: "Why am I Getting an Error?".

If you're not already using our mobile banking app, now's a great time to get started! The app is available for Android and iOS devices (see the technical requirements if you have questions about your specific device).

Get it on Google Play    Coast Central Mobile on the App Store

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Am I Able to Use CheckFlash?

While there are a few prerequisites to being able to deposit checks, they aren't very complicated. You do need to:

  • Have a checking account (and have had it open for at least 45 days)
  • Be at least 18 years old
  • Have an email address on file with us
  • Have a current postal address on file with us
  • Have your accounts in good standing with us

CheckFlash won't work in certain situations, such as if you have delinquent loans or a frozen account. If you feel you should be able to deposit checks but aren't able to, double-check that your device meets the minimum requirements to run CheckFlash. If you have any other questions, please contact us.

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What are the Technical Requirements for CheckFlash?

The requirements for CheckFlash are the same as the requirements for our current mobile banking app. If you are able to use our app, we encourage you to try making a deposit!

We have successfully tested our app on Apple devices running iOS 4 and up, and on Android devices running version 2.1 (Éclair) and up. While we do list these as minimum requirements, these are simply what we have tested our app on. We can't support devices older than this, but you are welcome to try installing our app to see if it will work. Please note that, due to huge variations in Android devices (camera quality, manufacturer and carrier customizations, etc), it is possible that CheckFlash will not work even if your device meets these requirements. Also, our app will work on iPads, but is not optimized for them. We do not currently have a version for Android tablets.

A note on "rooted" or "jailbroken" devices:
"Rooting" and "jailbreaking" refer to removing the manufacturer's protections from your device, and often also involve running custom software. We do not support running CheckFlash on rooted or jailbroken devices. While we cannot and will not prevent you from using our app on a modified device, we cannot support devices that have been rooted or jailbroken. We strongly discourage doing mobile banking on devices that have had the manufacturer's protections removed.

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Tips for Best Results with CheckFlash.

  • Properly fill out the check and write clearly.
    A properly filled-out check, with clearly written text, is easier to photograph. The app electronically reads handwriting, and the more it can read, the better the chance it will be accepted.
  • Enter the correct amount of the deposit in the CheckFlash app.
    A check may be rejected or delayed if you put a different amount in the app than is written on the check.
  • Avoid stray marks on the check.
    Similar to writing clearly, stray marks may make it harder for the app to read your handwriting.
  • Take the clearest picture you can.
    Blurry pictures and pictures with poor lighting make it harder to process. While our app is good at reading writing, it does need a good sample to read! (A tip: after you've taken the picture of your check, you can zoom in by tapping the small image of the check. If it's hard for you to read, you may want to try taking it again.)
  • Line up your check in the camera window.
    If your camera provides alignment marks, use them. Try to get the check image to fill the screen and make sure the entire check is visible. Also, try to get the picture "straight on" to the check, not off at an angle.
  • Try to get the strongest signal you can.
    In order to submit your check image, you need a good connection to the internet. Try to get the strongest signal you can. If it's taking a while to send in your check (or the loading "spinner" isn't going away), look for a place with a stronger connection or connect to wi-fi.

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Why am I Getting an Error?

There are several reasons you may see an error while you're using CheckFlash. Many issues can be corrected by following our tips, but you may have a specific issue you are encountering.

  • The deposit icon is spinning constantly
    You most likely have an issue with your signal strength. Try moving to a location with a stronger signal. You may need to completely exit the app and start over if you are "stuck" in the loading screen.
  • I don't see the deposit icon
    There could be several reasons for this. First, make sure that your device meets the technical requirements to run CheckFlash. You may also want to make sure that your account is compatible with CheckFlash. If you meet those requirements but still aren't able to make a deposit, make sure that you are running the latest version of our app. You may also wish to remove and re-download the app.
  • You get the error "You have exceeded your daily deposit limit"
    Each member is limited to $5,000 in total deposits each business day. If you go over this limit in part or in whole, your deposit may be held for review or rejected. Please note that deposits made until 11:59pm are counted toward the current business day. Also, deposits made on weekends and holidays count toward the next business day's limit.
  • You get the error "Check appears to have been deposited earlier"
    The CheckFlash service is able to determine duplicate submissions using the routing information and check number. If this check has alredy been deposited (either using CheckFlash or another check deposit service), you will not be able to deposit it again. If you are confident that you have not already deposited the check, you can deposit it at any ATM, by coming in to any office, or by mailing it to us.
  • You get the error "Front or back image cannot be processed"
    The check image wasn't able to be read by our app. Either your device's camera isn't high enough quality (at least 1.9MP with autofocus), or the check image was blurry or otherwise unreadable. Click "back" to try depositing it again.

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I Have Another Question that Isn't Covered Here.

If you are still having trouble, you can contact us, or you can come in to any member services branch. We will be happy to help you!

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