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Mobile Banking App FAQs

How do I get started using the Mobile Banking App?

You can install the App by visiting the Apple App Store or Android Market and selecting the Diversified Credit Union App. Terms and Conditions must be accepted before access to the app will be granted.

Once you have downloaded the app from the iTunes® or Google® Play Store from your mobile device, you are ready to begin. Using your Diversified Credit Union online banking ID and password, you can automatically begin managing your finances. Visit to log in and get started.

What is required to use the Mobile Banking App?
  1. An Online ID and Password from Diversified Credit Union Online Banking.
  2. An active Diversified Credit Union checking or savings account.
How is the Mobile Banking App different from Online Banking?

Because the application is stored on the device, it does not have to “re-download” itself every time it’s opened, providing better speed and performance. The Diversified Credit Union Mobile Banking App also delivers a better user experience with more visually appealing features and functionalities.

Is Mobile Banking secure?

Diversified Credit Union Mobile Banking offers the same security and encryption as our Online Banking service. This helps ensure that your Mobile Banking experience with us will be safe and secure.

If I lose my mobile phone, can someone access my Mobile Banking accounts?

Because we require a User ID and password and no information is stored on your mobile device, your information is safe.  As a reminder, your name and account number will never be sent via text message. Contact your mobile carrier immediately if your phone has been lost or stolen.

Will activity conducted within the App immediately affect my account information in Online Banking?

Yes, activity conducted within the app will affect other systems such as Online Banking.

What is my Username/Login ID and Password?

To access Diversified Credit Union’s mobile banking app, use your current online banking username and password.

Is Online Banking required to use the Mobile Banking App?


Does my mobile device support the Mobile Banking App?

This application is available for Android, iOS and Windows® operating systems. All of these operating systems have a different look and feel. Smart phone and tablet system requirements are as follows:

  • Android operating system: Version 2.3.4 and higher for phone and tablet interfaces
  • iOS operating system: Version 6 and higher for phone and tablet interfaces
  • Windows operating system: Version 8.1 for tablet; version 8.0 for the phone
Is there a fee for Mobile Banking?

Diversified Credit Union does not charge a fee to use the mobile app. In addition, your mobile carrier may charge for internet access and/or text messages.

Will I be able to access all of my accounts using Mobile Banking?

Diversified Credit Union’s Mobile Banking allows you to access all accounts that you currently view within Online Banking.

Do I have to be enrolled in Online Banking to use the Mobile App?

To use all of the app’s functions, you must also be enrolled in Online Banking. Visit our home page to sign up for Online Banking.

Can I transfer between banks / credit unions?

No, at this moment, only transfers between Diversified Credit Union accounts associated with a member’s profile can be conducted.

Can I access my account from more than one mobile phone?

Yes, you can access your accounts from any mobile phone with Internet access.

Your information is secure and encrypted when using any of our online services (Online Banking, Mobile Banking, and Remote Deposit).

Remote Deposit Capture FAQs

What is Diversified Credit Union’s Remote Deposit Capture service?

Remote Deposit Capture is a feature of our mobile banking app and is available to our mobile banking clients. It allows you to take a picture of a check and deposit it to a Diversified Credit Union personal checking account, all using your mobile phone. This offers convenience and time-savings, bypassing the need to go to the ATM or branch.

Who can use Remote Deposit Capture?

You can use Remote Deposit if you:

  • have an eligible Diversified Credit Union personal checking account
  • are enrolled in Online Banking
  • have installed our mobile banking app on the iPhone®, iPad, an Android™ or Windows device.
Are there any fees to use Remote Deposit Capture?

No, there is no fee for using the Remote Deposit Capture.

What should I do with my checks after they’re deposited with Remote Deposit Capture?

We recommend checks deposited using your mobile device must be kept for at least 60-90 days.  After 60 days, validate that the correct amount has been posted to your account and then destroy your check.

Why isn’t my check being accepted?

The system may be unable to read your check due to the handwriting, check condition or photo quality. If that is the case, you will need to try a different check, bring your check to a Diversified Credit Union branch or ATM for deposit.

What guidelines should be followed when submitting a check for Remote Deposit Capture?

We recommend you follow these guidelines:

  • Endorse the check with your (the accountholder’s) signature and account number. Mark it “For Diversified Credit Union Mobile Deposit Only”.
  • When photographing the back of the check, the endorsement must be legible
  • Be sure to include all four corners of your check; images that are “blurry” cannot be accepted
  • The dollar amount you enter when making the deposit must match the amount on the check

Note: Some checks can be rejected due to poor photo quality, unusual formats, or layout or background features on the check. In these cases, Diversified Credit Union reserves the right to reject such Mobile Deposits and cannot be held responsible for its inability to accept a deposit via mobile banking.

What types of items can I deposit?

You may deposit personal or business checks drawn on a U.S. financial institution to a personal checking account.

You CANNOT deposit:

  • Savings bonds
  • Travelers checks
  • Foreign items
When will my deposit be available?

Deposits will be available after the second business day of the date the deposit was made. Mobile deposits to your Diversified Credit Union account are made in real time. Our standard check holds may apply.

How do I know if the deposit was successful?

Deposits are shown in the Diversified Credit Union’s mobile app as you make them and will appear in your deposit history. To confirm that your mobile deposit transactions have been posted to your account, you may review the account detail of the account into which you made your deposit using your monthly statement or by signing on to Online Banking or with the mobile app.

How much can I deposit?

You can deposit up to $2,000 per day through Remote Deposit Capture.

Your information is secure and encrypted when using any of our online services (Online Banking, Mobile Banking, and Remote Deposit).

Diversified Credit Union
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Diversified’s Routing number is 291074748