How will I know if I am eligible to use Remote Deposit?
If you meet the following criteria you may be approved to begin using remote deposit:
- No returned deposit checks in last 6 months.
- Must have been member for at least 90 days.
- Must be a member in good standing.
- No charged off accounts with the credit union.
- Must have a valid mailing and email addresses on file at the credit union.
What are username and password requirements?
Username must be between 6 and 20 characters and must start with an alphabetical letter.
Remote Deposit password requirements are:
1. 8-20 characters;
2. At least one special character;
2. At least one upper case letter;
3. At least one number;
How will I know if I have been approved to use Remote Deposit?
You will be notified via the email you supplied at the time of sign up.
How much will it cost me to use Remote Deposit?
There is no charge to use remote deposit, however your account will be subject to the credit union’s fees for returned check items.
Which types of checks are not eligible for Remote Deposit?
- Third party checks
- Checks with multiple payees
- Stale dated checks
- Government checks
- Foreign checks
- Traveler’s checks
- Checks drawn on the account they are being deposited into
- Money orders
Should I still endorse the check?
It is not necessary to endorse your check but you need to write your account number and “For Remote Deposit Only” on the back of your check.
When will my check deposit be credited to my account?
There are two cutoff times for remote deposits. The cut off times are 11 :00 AM EST and 3:00 PM EST with deposits posting around 12:30 PM EST and 4:30 PM EST each Business Day. If your item is deposited and accepted before the cutoff time, then you can expect to see it deposited into your account at the next posting time.
Note: In some cases it may be necessary to place a hold on your deposit. The first $200 is usually available the next business day, but the rest may not be available for several days.
How will I know if the check has been accepted?
You can track the status of your check by selecting the “Review” option in the Remote Deposit section of the Mobile App.
You can also enable push notification on your device (available once logged into RDC) and a message will be displayed on your device’s screen once decision has been made .
What should I do with the check after deposit has been accepted?
After submitting the check image, write “Electronically Presented” on the front of the check and keep it safe for at least 62 days.
If the check I deposited was returned, can I deposit the same check with the Remote Deposit service?
No, you will not be able to deposit a returned check via Remote Deposit.
How much can I deposit?
Initial deposit limits are:
- $500.00 per item
- $1,000.00 per day
- 3 items per day
- $1,000 in a rolling 30 days
We might adjust these limits once you make at least 3 deposits.
How do I get started?
See detailed Guide on how to use the Remote Deposit feature.