Quick answer
BECU mobile deposit has two separate questions: whether the mobile check was successfully accepted by the service and when the funds become available. The institution’s mobile-deposit support page links the workflow to funds-availability rules, so the visible deposit status and availability date matter more than a generic timing estimate.
Published rules for this service
BECU requires the endorsement For BECU Mobile Deposit Only and signatures from both payees when a check has two payees. If automatic capture fails, try manual capture with clear images of both sides. Keep the paper check for 30 days and mark the deposit date on its back. A deposit may take a few minutes to appear; an appearance in transaction history still does not establish that all funds are available.
Decision path
Image/check rejected → correct the app/check issue. Submission accepted → preserve the paper check and avoid duplicate deposit. Deposit credited but unavailable → use BECU’s current funds-availability rule and any notice/availability date.
What to do next
Save confirmation and any hold notice. Verify all payee endorsements and the full image. If a deposited item remains unresolved after the published availability window, contact BECU with the deposit record.
Important limits
Limits and availability depend on the account and current service rules. Posted balance may include unavailable funds. Avoid depositing the original elsewhere while the mobile submission may still process.
Sources and freshness
Last verified: October 7, 2026.
BECU mobile deposit · BECU online banking
Rules and service limits can change. Use the linked agreement for your account and the notice shown for this transaction; if they differ, ask the institution to explain which provision applies.
Deposit checklist
Capture app error/status, submission time, check amount, endorsements, available balance and any hold/availability notice. Read BECU’s mobile-deposit instructions together with its funds-availability information; one explains service use, the other when money can actually be used.
FAQ
What if automatic image capture fails? Try manual capture and make both sides readable. What if two people are named on the check? BECU requires both payees’ signatures. How long should I keep the paper check? BECU’s mobile-deposit guidance specifies 30 days.
Related but different
A broad online-banking problem is not necessarily a mobile-deposit problem. Likewise, an account restriction affecting multiple transaction types belongs in the restriction workflow.
Related guides
BECU: /institutions/becu/
Mobile deposit rejected, failed, accepted but held, or still under review: /problems/mobile-deposit-problem/