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Person using their mobile phone to take a picture of a check; mobile deposit.

Mobile Deposit

Point. Snap. Deposit.

Credit Union of Denver’s Mobile Deposit enables you to deposit checks to your account, using your Smartphone, from anywhere! Whether you’re stuck at home, in a snowstorm, or away on a business trip – you don’t need to waste time or gas driving to a branch or looking for the nearest ATM. Simply enroll in Mobile Deposit through our Mobile App and turn your home, office, or couch into a virtual C·U·D branch!

To be eligible for mobile deposit the members must meet these requirements:

  • Account must be open for at least 30 days
  • All account owners must be in good standing
  • All account owners must not have caused a loss to C·U·D

The accounts restricted from using Mobile Deposit includes:

  • Business Accounts, Trust Accounts, Estate Accounts, REP Payee, and TTM Accounts
  • Members who have caused C·U·D a loss
  • Members who have abused our Mobile Deposit service
  • Members that are determined ineligible by C·U·D

Feel free to take a look at our Mobile Deposit Instructions.

Mobile Wallet – Payment by Smart Device

What is it?

Mobile Wallets are a way to carry your Credit Union of Denver Credit Card or Debit Card information in a digital form on your mobile device. Instead of using your physical plastic card to make purchases, you can pay with your Smartphone, tablet, or smartwatch. Stay contactless and pay merchants with your mobile device!

Try out one of the C·U·D Mobile Wallets. Just pick the app that best compliments your mobile device, upload your C·U·D Credit Card  or Debit Card  into the app – then simply tap and Pay! 

We offer our members Apple Pay, Google Pay™, Samsung Pay and Master Pass (MasterCard Wallet). 

Here are a couple of tips to keep in mind when using your Mobile Wallet:

  • Not all retailers will offer this type of payment option, so make sure to ask before you tap!
  • Look for the symbols on or around the payment device or ask which ones they accept.
  • Always run your charge as “Credit”, even if it is your debit card. This will assist with the tokenization and prevent you from having to use your PIN.

Learn more about our Mobile Wallet in these FAQs:

Apple Pay FAQs

Apple Pay is a contactless payment technology for your iPhone and Apple Watch. It pulls your credit cards, debit cards, and other sensitive-payment data from the wallet app, enabling you to use an iPhone 6 and above or Apple Watch as a payment option at store checkouts. 

Here’s what type of Smartphone you need to use Apple Pay:

  • iPhone 6 or above (Apple Pay in stores and within apps)
  • iOS 8.1 or later
  • United States as your selected region
  • A passcode on your device

Add your Credit Union of Denver cards to Apple Pay through the wallet app on your iPhone 6 and above, or Apple Watch.

Step by Step Instructions:

HOW TO SET APPLE PAY UP TWO OPTIONS

Option 1: Manual

Step 1: Set up your fingerprint or face recognition
(Fingerprint set up is in SettingsFace, or Touch ID & Passcode, select Add a Fingerprint, follow instructions).

Step 2. Open Wallet and Apple Pay

Step 3. Select the plus button

Step 4. Select add another card

Step 5. Manually enter your information

Step 6. Agree two times

You’re ready to go!

Option 2: Picture. Take a picture of your card (you must have a card that has raised numbers. C∙U∙D instant issue debit cards will not work with the camera option).

Step 1: Set up your fingerprint

(Fingerprint set up is in SettingsFace or Touch ID & Passcode, select Add a Fingerprint, follow instructions).

Step 2. Open Wallet

Step 3. Select the plus button Step 4. Select add another card Step 5. Push camera button Step 6. Line up with square

Step 7. Enter the security code

Step 8. Agree two times

You’re ready to go!

Learn more about how to set up and use Apple Pay, go to www.support.apple.com/en-us/HT201239 

Then, pay for purchases by holding your iPhone 6 and above or Apple Watch near a contactless reader. No need to open an app or even wake your phone.

C∙U∙D is ready to help you with issues when adding Credit or Debit Cards to your iPhone 6 and above and iPhone 6 Plus. You can contact C∙U∙D or AppleCare, who will help you resolve your issue. Before you call, be prepared to answer a few questions. 

  1. The dollar amount of your last swiped payment made with your card.
  2. The vendor of your last swiped payment made with your card.
  3. Date of your last swiped payment made with your card.

Questions are subject to change so be prepared to answer any questions regarding your cards and account.

Apple Pay is more secure than traditional use of a credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID Face ID, or your passcode. Your Apple product is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

With Apple Pay, you authorize each purchase with Touch ID, Face ID, or your passcode. These features help prevent other people from using Apple Pay on your iPhone. You can call C∙U∙D to suspend or remove your cards from Apple Pay. You can also go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network.

Yes.  When you pay using Apple Pay, you’ll continue to get the rewards, benefits, and security that your C∙U∙D Credit or Debit Cards provide.

When you suspend or remove your cards in Wallet, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic C∙U∙D Credit or Debit Cards.

Please note:  Message and data rates may apply from your communications service provider. Subject to eligibility and further review.

To avoid errors for new users, or if you are having issues using the mobile app, make sure you are using the most updated version of the application.

Credit Union of Denver Mobile Wallet terms and conditions. 

Mobile App Recommendations:

  • For mobile devices using the Android operating system, do not enable Android’s “install from unknown sources” feature.
  • Notify the credit union and carrier immediately if the mobile device is lost or stolen so that it can be deactivated.
  • Do not modify the mobile device as it may disable important security features.
  • Check your credit union account frequently and notify the credit union of any unauthorized transactions.
  • Adopt safe practices as you would using your personal computer, including not opening attachments or clicking on links contained in email received from unfamiliar sources.

Credit Union of Denver Mobile App

For iPhone® and iPad® Must enroll in cudonline and download Credit Union of Denver Mobile App from the App Store. Message and data rates may apply from your communications service provider. Subject to eligibility and further review. iPhone: Requires iPhone IOS 6.0 or higher. (We do not support anything below 6.0) iPad and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

For Android – Must enroll in cudonline and download Credit Union of Denver Mobile App from the Android Market. Android version 2.3 or above is supported. (we do not support below 2.3) Message and data rates may apply from your communications service provider. Subject to eligibility and further review. Android: Android is a trademark of Google, Inc. Use of this trademark is subject to Google Permissions. Portions of this page are reproduced from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.