Mobile Deposit/Mobile App Frequently Asked Questions 1. When using Mobile Deposit, are check images stored on my phone? No. As a security precaution, no check images are stored on your mobile device. After you have made your deposit, there is no way for you or anyone else to access any check images. 2. What devices support the Mobile Banking App? Apple devices running iOS 4.3 and greater and Android™ devices running 2.3 or greater. 3. What devices support Mobile Deposit?

iPhone® or Android™ smartphone or an iPad® tablet (does not currently support Android Tablets or the Kindle Fire)

4. Do I have to download the new app to use Mobile Banking and Mobile Deposit? You can use most mobile banking features by visiting our mobile website at m.sscu.net. The Mobile Banking features are more robust through the NEW Mobile Banking App, and it has a more user-friendly interface. The Mobile Deposit function is only available on the NEW Mobile Banking App (orange background).

5. Is there an age requirement for Mobile Deposit? No, as long as the account is signed up with Online Banking and has any type of Seven Seventeen checking account. 6. Can I deposit my check to a savings account through Mobile Remote Deposit? No, all deposits must go to a Seven Seventeen checking account that is linked through NetWorth24 Online Banking. 7. What are the standard deposit limits? Three limits have been established:

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8. Can I request a higher Mobile Deposit limit? Requests can be emailed to [email protected]. Requests can also be taken via phone or at a branch. 9. Are there holds on checks deposited through Mobile Deposit? There may be. Mobile deposits over $500 may have a 3 day hold on the funds. A notification will be emailed on the same day of the deposit if a hold is placed. You will be able to see the held check in your transaction history, but it will not be shown in your available balance until the hold is released. 10. Are there certain types of checks that will not be accepted? Yes. • Checks drawn on your Account. • Checks made payable to cash. • Checks stamped with a “non-negotiable” watermark. • Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). • Checks payable to you and another party who is not a joint owner on the Account. • Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the Account on which the check is drawn. • Checks that are “stale dated” (more than six months old) or “postdated” (dated later than the actual date). • Checks that have been previously negotiated. • Checks that are incomplete. • Savings Bonds, travelers checks, money orders, or postal money orders. • Checks drawn on a financial institution outside of the United States. • Checks not payable in U.S. currency. 11. Are there any special instructions to follow when taking a picture of a check for mobile deposit? Yes. • Hold your device in a horizontal position. 2

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Place the check on a dark background. Avoid shadows. Make sure all edges show and the amount is visible. Endorse your check. Write “For Mobile Deposit” below your endorsement.

12. Why am I seeing “Application Error: We are unable to display your information at this time. Please try again later.” when taking pictures of my check? If the image is too far away or there is not enough light, the application is going to throw an error. After hitting OK, you are prompted to retake the picture. To avoid retakes, there are tips that you should follow which are displayed as you take pictures of your check.

13. What do I do with the check after I have submitted it for deposit? Once the deposit is reflected in your account, please void the check and retain it for 60 days. Do not void the check before it has been deposited into your account in case it is denied and you need to resubmit the check. 14. Will I be able to see my deposited items in my account? Only after a successful deposit will the transaction appear in your account history. An email notification is automatically sent once the deposit has been accepted. You also have the option to use the in-app feature to send yourself an email confirming the deposit. 15. When will my deposit be in my account? If the deposit was made before 3:00 pm, it will be posted by midnight of the same day. If it is deposited after 3:00 pm, it will be posted by midnight of the following business day. 3

16. Why isn’t my deposit showing in my account (during the specified time frames)? There is a possibility that the item was rejected. An email notification will be sent to the email address that we have on file. Keeping your email address up-to-date at Seven Seventeen is very important so you can receive information from us on a timely basis, especially if you are enrolled in any of our electronic services. You can update your email address within Online Banking or at any branch. 17. Why was my deposit denied? Deposits can be denied for various reasons, including, but not limited to: 1. Check was not properly endorsed (Signatures were missing or did not have “For Mobile Deposit” under the endorsement.) 2. Check was illegible 3. Check was already deposited and is a duplicate 4. Check was made payable to cash. 18. Do I need Online Banking to have Mobile Banking and/or Mobile Deposit? Yes. Currently, you need to be enrolled in NetWorth24 Online Banking in order to activate Mobile Banking. You will need Mobile Banking and our new Mobile Banking App in order to use the Mobile Deposit feature. 19. How do I enroll in Online Banking? You must currently enroll in NetWorth24 Online Banking by logging into www.sscu.net using a PC. Under “Access My Accounts,” enter your account number as your Username and your ePIN as your Password. You will be asked to change these items and to set up your security for using NetWorth24 on any device. 20. Why can’t I add a company to pay a bill to (payee) within Mobile Banking? Currently, the administration system associated with Online and Mobile Banking require that payees be set up within NetWorth24 Online Banking using a PC. Once set up, bills can be paid through Mobile Banking. 21. How do I get the new Mobile Banking App? To download our new app, visit the App Store on your mobile device and search for "Seven Seventeen Credit Union.” Choose the app with the orange background and then follow the on-screen instructions.

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22. Why do you have two Mobile Apps? Our goal is to provide you with the latest, most secure and reliable technology. We determined Mobile Deposit could not be incorporated into our existing app, therefore, we developed a new Mobile Banking App. IMPORTANT NOTE: While Mobile Banking, without Mobile Deposit and other enhanced features, is currently available within our existing app, it will be removed from the current app by the end of the year (12/31/2014).

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