We offer a full suite of Mobile Banking services that make it easy for you to access common financial services and complete most financial transactions including:

• Free eStatements to check deposits and withdrawals
• Mobile Deposit for checks/drafts.
• Bill Pay so you can easily pay bills, whether they're one-time or recurring.
• Manage your Debit Card.
• e-Sign so you can sign documents without visiting a physical location.
• ATM locators AllianceOne® and MoneyPass®
• CURewards to track your points and redeem rewards.

To enable certain features of the Mobile Banking app, the application needs to access the following on your mobile phone:

• Location Services: So we can return ATM/Branch search results that are relevant to your current location.
• Contacts: So when using the personal payment service, you can easily select a contact from your smartphone to pay.

Here are the steps you'll follow when using our e-Sign service*:

• You will receive an email containing a link to sign your documents.
• After clicking that link, you will enter an "Access Code" that was provided by Best Reward.
• Click to "Agree" to the Electronic Record and Signature Disclosure.
• Click "Start" to select a signature or draw your own.
• Sign electronically where instructed (no special software needed).
• Confirmation Email – You will receive an email containing a link to your completed documents.
• Document Retention – Print or download a copy of your documents for your records.

The next time you need a Consumer Loan with Best Reward, enjoy the convenience of e-Sign. You will love how easy it is to sign your paperwork from anywhere with email access!

*Not all transactions qualify for e-Sign. e-Sign is available to our existing members only. New members must visit a branch to verify their identity and establish their membership before utilizing this service.

In order to use Mobile Deposit, you need to meet these guidelines:

• Be at least 18 years of age or older.
• Have a Best Reward account open and in good standing with e-Statement enrollment.
• There is a limit of $3,000 max per day in deposits.
• There is a limit of one Draft/Check per deposit.
• Mobile devices (smartphone or iPad) must have a minimum two-megapixel camera with auto-focus.
• Drafts/Checks must be placed flat in a well-lit area with a solid background when taking the picture/image.
• Ensure that all corners of the Draft/Check can be seen and that there are no shadows.

*Availability of this service to any member is subject to review by Best Reward Federal Credit Union at any time.

Members may mobile deposit checks to any Best Reward account. There are some account exclusions including:

• Business Accounts
• IRAs
• Conservatorships
• Guardianships
• Estates
• UTMAs (Custodial Accounts)

There's no fee for this service using our Mobile Application. However, based on wireless network availability, you may be charged for services by your wireless carrier.

Every wireless carrier has a different rate plan for messaging and data services access. You may be charged per use or pay a flat rate for unlimited usage each month. You may also have different fees for messaging and data services access.

Please contact your wireless carrier directly if you aren’t sure what fees may be charged for messaging and data services.

• iPhone* Models from 6S to 14, or Models SE, X, XR, and XS, with iOS 14 Version or Newer
• iPad* from 2018 or newer, including Pro, M1 Pro, Air 4, and Mini 5 Models, with iPadOS 14 Version or Newer
• Android* Phone with OS 9.0 Version or Newer, including Google, LG, Motorola, One Plus, and Samsung
• Android Tablets including Samsung Galaxy Tab A and Samsung S7 FE 5G
• All devices listed above require a minimum two-megapixel camera with auto-focus

*iPhone and iPad are registered trademarks of Apple Inc. Android is a registered trademark of Google Inc. The trademarks, service marks, and company names used above are the property of their respective owners.

Be sure you have had a Best Reward account open and in good standing.*

1. Enroll for Best Reward Online – if not already enrolled.
2. Enroll for e-Statements – if not already enrolled.
3. Download Best Reward’s Mobile Banking App in the Apple App Store or Google Play App Store.
4. Visit us Online or in the Branch to Complete the Mobile Deposit Application.
5. Once approved, you will see “Deposit” as an option within Best Reward’s Mobile Banking App.
6. Begin Using Mobile Deposit.

*Availability of this service to any member is subject to review by Best Reward Federal Credit Union at any time.

Click here for additional FAQs about Mobile Deposit.

1. Open Best Reward’s Mobile Banking App
2. Select Deposit
3. Select the account you want to deposit the Draft/Check into.
4. Enter the amount of the Draft/Check you wish to deposit.
5. Take a picture of the front of the Draft/Check.
6. Take a picture of the back of the Draft/Check. Page 2 of 2 Revised 12/20
7. Confirm and submit the deposit.
8. Under Remote Deposit History, you can verify the status of your deposit at any time.

Click here for additional FAQs about Mobile Deposit.

The Draft/Check should be endorsed on the back: FOR MOBILE DEPOSIT ONLY, Best Reward, Account # [Sign Your Name], or as otherwise instructed by the credit union.

Funds deposited using Remote Deposit Capture will generally be made available on the third (3rd ) business day after the date of transmission. Business days exclude Saturdays, Sundays, and Federal Holidays.

First, review your account history to verify that your deposit has been credited. Upon your receipt of confirmation from BRCU that we have received an image that you have transmitted, you agree to retain the Draft/Check for at least 60 calendar days from the date of the image transmission.

After 60 calendar days, you agree to destroy the Draft/Check that you transmitted, mark it “VOID” or otherwise render it incapable of further transmission, deposit, or presentment. During the time that retained Draft/Check is available, you agree to promptly provide it to BRCU upon request.

Your deposit will appear in the Remote Deposit History as Pending, Accepted, or Failed:

• Pending – The Draft/Check image has been accepted for review.
• Accepted – The Draft/Check image has been reviewed and accepted for deposit.
• Failed – The Draft/Check image has been reviewed and rejected.

Please refer to the message that the application is providing:

• Image is Not Clear
• Bad Lighting
• No/Wrong Endorsement
• Check Image is Not Fully Visible
• Front and/or Back was Not Submitted
• Amounts Do Not Match
• The Check Image Has Been Previously Submitted

Most Drafts/Checks are eligible. However, the following types of Drafts/Checks ARE NOT ELIGIBLE:

• Drafts/Checks payable to any person other than you. Be sure that the name of the Payee is on the account.
• Drafts/Checks payable to you jointly with one or more persons unless deposited into an account in the name of all payees.
• Drafts/Checks that have been previously negotiated (including those that may have been returned), remotely created, Sight Drafts, or more than 6 months old (Stale Dated).
• Drafts/Checks drawn on a financial institution located outside the United States, not in United States currency, or issued by the U.S. Treasury Department.

The following ARE NOT eligible and should be reviewed and verified before you make a Mobile Deposit:

• Insurance Claim Drafts/Checks
• No Foreign Drafts/Checks
• No Savings Bonds
• No Third Party Drafts/Checks
• No Returned or Re-Deposited Drafts/Checks
• No Rebate Drafts/Checks
• No Cashier Drafts/Checks
• No Traveler’s Drafts/Checks
• No Post Dated Drafts/Checks
• No Drafts/Checks Drawn on Best Reward Federal Credit Union
• No Money Orders (Postal or MoneyGram)
• No Credit Card Cash Advance Drafts/Checks

Contact Best Reward’s Electronic Services Department at 440-232-9540 or email at electronicservices@bestrewardfcu.coop.