Credit union offers new app for real-time direct deposits

Waukegan-based Consumers Credit Union has launched a new app called eXpressShot, a free mobile service that allows members a chance to use their smart devices to do mobile deposits in real time.

The app, eXpressShot, offers members the ability to deposit checks using their device on a secure system from anywhere. Members can take a photo of their checks using a smartphone, tablet or other web-enabled device, then send the check information straight to CCU. This free service gives members the opportunity to save money on gas while avoiding wait-times in the branch by eliminating a visit to a location, the credit union said.

Since it launched a couple of weeks ago, CCU has about 1,100 eXpressShot users, said Hal Coxon, CCU marketing vice president.

“Most financial institutions post the ‘click and shoot’ transactions in a ‘batch’ posting, meaning they process in a batch every few hours,” said Coxon. “ CCU’s real-time posting means you’ll see the funds in your account right after you complete the deposit. As with all financial institutions, access to deposits are subject to each institutions funds availability policy.”

While the functionality of eXpressShot is substantially similar to the click-and-shoot products offered by many other financial institutions, there are other differences. The credit union offers a series of email messages to confirm receipt, verify the funds have been cleared and notify the user when the funds are available.

It’s available in both Mobile Banking within CCU’s Mobile App and through its Online Banking service using a desktop scanner, which makes it available to a broader range of users, Coxon said.

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