Mobile Banking FAQs

At Suncoast, we want to make sure we’re serving our members to the best of our ability, and that includes answering all of your questions. From mobile deposits to SunText, find answers to FAQs about mobile banking.

Select a Service:

Mobile Deposit

What is Mobile Deposit?

Mobile Deposit allows members to deposit funds to their savings, special savings, checking, or money market account remotely by taking a photo of their check(s) via their mobile device (iPhone, iPad, Android and Android tablet).

How do I make a Mobile Deposit?

Log in to the SunMobile app. Choose “Deposit Funds” from the menu at left. Choose “Deposit To” and pick the appropriate account. Enter the deposit amount from the check. Then follow the prompts to take a photo of the check and complete the deposit.

Is this the same as Remote Deposit Capture (RDC) or Remote Deposit?

Yes, the industry term for this feature is Remote Deposit Capture (RDC) or Remote Deposit. This is a feature that allows you to deposit funds from your device

Is there a fee to use Mobile Deposit?

No, Mobile Deposit is a free, convenient service provided to eligible Suncoast members.

Who is eligible for Mobile Deposit?

The system will verify your account once a week. If your account meets the criteria below, you will be able to use this feature:

  • Business Accounts: Your account has been opened 61 days or more
  • Revocable Trust Accounts: Your account has been open at least 1 day
  • Personal Accounts: You are a least 16 years of age
  • Your account has ATM and RDC deposit privileges
  • Your account has no restrictions
  • Your account is not in default on any loan, credit card or other obligation to Suncoast Credit Union for 60 days or more

What is the enrollment process?

Once you meet the requirements, the Deposit Funds menu option will be available to you via the mobile platform. You must complete the enrollment process by reading and accepting the Mobile Deposit terms and agreement.

How soon will I have access to my funds?

Each member is assigned an immediate availability and number of business days that the remaining funds will be held based upon their relationship with the Credit Union, which is based on a number of factors. Some examples of factors include length of time the account has been open, types of loans as well as other loan details, and the types of accounts included in the membership.

How do I know my deposit has been received?

Once a deposit is submitted, it goes through an acceptance/review process. There may be some time between the acceptance/review process and when the deposit is officially accepted.

What happens if my deposit is reviewed and must be reversed?

A daily process runs to adjust any deposits that do not pass review. If a deposit does not pass review and needs adjustment, you will be notified via email, SunNet secured message, and SMS (texting).

What types of checks are eligible for Mobile Deposit?

Only complete, (full MICR) single party, domestic checks made payable to the owner(s) of your Suncoast account are accepted. Third-party checks, checks older than six (6) months from the date of attempted deposit, and post-dated checks will not be accepted.

Are there deposit limits?

Yes, the daily deposit limit is $2,500 for personal accounts and $25,000 for business accounts. Limits are subject to review and can change at any time.

How many checks can be included in one deposit?

One check per deposit is allowed at this time.

What should I do with the check once it has been scanned?

You should securely store each original check(s) for a period of 90 days after you receive confirmation that your deposit has been accepted. Please note that you are solely responsible and liable for the security and storage of the original checks and for any loss or misappropriation of these checks.

Where can I view my deposited items?

You will be able to review images of your deposited items by clicking on the image indicator next to the item via Account History when reviewing in SunNet Online Banking or the SunMobile app.

What mobile devices currently support this Mobile Deposit?

The Mobile Deposit feature is available from the SunMobile app on iPhone, iPad, Android, and Android Tablet devices. It is currently not available in SunNet Online Banking.

When will this feature be available in SunNet Online Banking?

Mobile Deposit is currently not available on SunNet Online Banking due to limitations including the need for a scanner to complete the deposit. Mobile Deposit is simple, fast and convenient from the SunMobile app since the camera is already built into the device. We will continue to explore options to improve the Mobile Deposit member experience from SunNet Online Banking.

If I have questions or encounter a problem, where can I receive help?

Mobile Deposit is designed as an easy-to-use, self-service product; however, should you encounter any problems or have questions on the process, please contact the Resolutions department at 1-800-999-5887 extension 87165.


What is SunText?

SunText is a text banking service that allows you to receive account balances, review history, make transfers and payments — via text messages. To enroll, log in to SunNet Online Banking and navigate to the “My Profile” page.

Apple Pay

Which Suncoast Credit Union card will I be able to use with Apple Pay?

Suncoast cardholders are able to use their favorite Suncoast credit and debit cards with the exceptions of Business Credit Cards and HSA Debit cards.

Are my payments safe with Apple Pay? Is my privacy and personal information protected?

Yes, when using Apple Pay, your Suncoast card number isn’t stored on your phone or given to the merchant. A unique Digital Account Number is created specifically for that device. Additionally, you will be required to use either your fingerprint with the Touch ID fingerprint sensor or a secure passcode to complete a purchase. Apple Pay doesn’t store your credit or debit card number on your device; you never reveal your name, card number or security code to merchants.

Why am I being asked to call Suncoast to verify my card?

If your iTunes account address does not match the address we have on file for your card, you may be prompted to call us for verification as a final step before enrollment. Please call the number provided so we can verify your card, then look for a Passbook message letting you know that your card is ready for use with Apple Pay.

What happens when my card expires? When I receive my renewal card will I have to update Apple Pay with the new expiration date?

When a Suncoast card enrolled in Apple Pay expires, the new expiration date is automatically updated in Apple Pay for you. You’ll be able to use your card in Apple Pay to make transactions before receiving your new physical card.

If I sell or give my Apple device to someone else, what will happen to the information on my device?

When selling or giving away your iPhone 6 or any other new Apple product, you should make sure you delete all digital accounts in Apple Pay. You may also reset your phone to factory settings, which will also remove all digital accounts. If for any reason you have forgotten, contact Suncoast and we will be able to perform this action on your behalf.

Will the Suncoast Credit Union Foundation still earn two cents every time I use Apple Pay to make purchases?

Absolutely! Each time you make a purchase using your Suncoast debit or credit card with Apple Pay, two cents are donated to the Suncoast Credit Union Foundation to support local programs that benefit education and the health and emotional well-being of children and their families.

What are the Call Center hours and numbers?

Please visit our Important Numbers FAQs page.

Download Suncoast's app SunMobile

Download the SunMobile app

Download Suncoast's app SunMobile

Suncoast's mobile app, SunMobile, lets you manage finances quickly, safely and securely from the convenience of your smartphone or tablet. Easily deposit checks, pay bills, transfer funds, locate the nearest branches and ATMs, and view check images, all from the convenience of your mobile device.


Suncoast Credit Union Mobile App SunMobile

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