Quick answer
SchoolsFirst eDeposit has its own service agreement, which should control check eligibility, endorsement, acceptance and funds availability. A mobile image rejection and a hold after acceptance are separate problems.
Published rules for this service
SchoolsFirst’s eDeposit agreement governs the remote-deposit service when it conflicts with the general account agreement. It says remote checks do not follow the standard Regulation CC availability schedule, so use the eDeposit availability notice. Retain the original check for 10 days; attach a note to identify it as deposited without writing across its face, and never present it again. Limits can change, and an over-limit submission may require review or be rejected.
Decision path
Check/image/endorsement fails → correct the eDeposit requirement. Deposit accepted but funds not available → use the availability/hold terms in the eDeposit/account disclosure. Service unavailable/limit issue → use the current digital-service rule rather than attempting repeated duplicate submissions.
What to do next
Retain the original check while status is unresolved. Save the eDeposit confirmation and any hold/availability notice. Contact SchoolsFirst before changing channels if the original deposit may still process.
Important limits
Check the current eDeposit limit. Acceptance and availability are separate. Use SchoolsFirst’s own endorsement instruction; wording from another credit union may not satisfy it.
Sources and freshness
Last verified: October 7, 2026.
SchoolsFirst eDeposit agreement · SchoolsFirst mobile and 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
Keep the eDeposit submission/confirmation, check amount, endorsement, app error/status, available balance and original check. Use the current eDeposit agreement for eligibility/acceptance/availability, not an old mobile-banking article or another CU’s endorsement wording.
FAQ
Should I write across the check to mark it deposited? The agreement says to attach a note instead of writing across its face. Do the ordinary Regulation CC schedules control eDeposit? The eDeposit agreement says remote checks follow its own availability rules.
Related but different
If the issue is payroll money arriving electronically, use direct deposit. If it is a peer-to-peer payment, use Zelle. eDeposit specifically means remote deposit of a check.
Related guides
SchoolsFirst FCU: /institutions/schoolsfirst-fcu/
Mobile deposit rejected, failed, accepted but held, or still under review: /problems/mobile-deposit-problem/