Remote Deposit Capture FAQs

Remote Deposit Capture is a free and secure electronic service which allows you to make check deposits to your credit union accounts using your web-enabled smart device from any location.

Remote Deposit Capture offers the convenience of making check deposits into your credit union accounts from your smart device with no need to travel to a branch. This saves you time and money.

Remote Deposit Capture allows you to deposit checks from any internet accessible location using FORCU’s mobile banking app in conjunction with the camera on your smart device. NOTE: You may need to review your device settings to allow the mobile app to access your camera.

You must be a member in good standing to be eligible to use Remote Deposit Capture. Member in good standing means a member of the credit union for at least 90 days with no negative account balances, no past due loans and no dormant accounts. Also, you must be enrolled in online banking.

Once you agree to the terms and conditions for Remote Deposit Capture, the credit union will receive notification that you are requesting the service. Once the credit union has reviewed your account and made a decision, you will receive an email with your eligibility status.

Make sure you have the most recent version of our mobile banking app.  Once you log into the online banking through the mobile app, you will see “Mobile Deposit” as a choice at the bottom of the screen. The system will walk you through each step to make your deposit.

There are no fees for using the Remote Deposit Capture service; however, fees may apply if items are returned unpaid.

Single-party domestic checks made payable to the owner(s) of your Franklin-Oil Region Credit Union account. IMPORTANT NOTE: These items CANNOT be deposited using Remote Deposit Capture. Some of these items may be accepted in our branches:

• Checks payable to any person or entity other than the person or entity that owns the account where the check is being deposited;
• Any third-party check, i.e., any item made payable to another party and then endorsed to you by that party;
• A check drawn on your personal account at the credit union;
• A check to a personal account made payable to a business;
• Checks containing an alteration on the front of the check or item, or which 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 payable jointly, unless they are deposited to an account in the name of all payees;
• A check stamped “nonnegotiable” (whether stamped in print or as a watermark);
• A check that has been redeposited or returned, such as “nonsufficient funds” or “refer to maker” or returned for any other reason;
• Checks previously converted to a substitute check, as defined in Reg CC;
• Checks drawn on a financial institution located outside the United States;
• Checks that are remotely created, as defined in Reg CC;
• Any item that is incomplete;
• Checks payable on sight or payable through Drafts, as defined in Reg CC
• Checks not payable in United States currency;
• Checks dated for more than 6 months prior to the date of deposit;
• A check that is post-dated after the date of deposit;
• Checks with no endorsement or any other endorsement other than that specified in the agreement;
• Checks previously submitted using FORCU’s Remote Deposit Capture service or through a remote deposit service offered at any other financial institution;
• Checks or items that are drawn on or otherwise issued by the U.S. Treasury Department
• Cash;
• Savings Bonds;
• Any item with a qualified or conditional endorsement

Checks can be remotely deposited into your savings (shares) or checking (draft) account. When initiating a deposit, the system will allow you to choose which account to deposit the check. You will be able to choose from any savings (shares) or checking (draft) on which you are a joint owner.

You can transmit remote deposits to the credit union 24-hours a day, 7-days a week, even on weekends and holidays; however, checks will not be processed until normal business days. NOTE: Deposits transmitted using the Remote Deposit Capture service will be processed by 4:00pm on the day they are considered received by the credit union. For more information, please see the Remote Deposit Capture User Agreement.

Items transmitted before 3:30 p.m. using Remote Deposit Capture are generally processed by 4:00 p.m. on the day the item is received. If an item is transmitted on a weekend or holiday, the item will be processed on the next business day.

Prior to photographing the original check, you must endorse any item you wish to transmit through the Remote Deposit Capture service with “For Remote Deposit Only at FORCU.” Additionally, you must write RDC on the memo line located on the front of the check.

Checks can only be transmitted one at a time; however, multiple checks can be transmitted during one active session of online banking.

Yes, as long as the total amount deposited does not exceed FORCU’s daily limits. Current limits are as follows:

• Maximum Deposit Amount Per Item – $1,500.00
• Maximum Deposit Amount Per Day – $5,000.00

Additionally, we reserve the right to impose limits on the amount and/or number of deposits that you transmit using the Remote Deposit Capture service and to modify such limits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these daily limits, such deposit will still be subject to the terms of the Remote Deposit Capture User Agreement. We will not be obligated to allow such a deposit at other times.

Once a check is transmitted to the credit union, click on “View deposit history” and you will be able to see the date the check was transmitted, the dollar amount of the check and whether it was accepted or rejected. If the check was rejected, the reason for rejection will be stated under the date of deposit. Until a check is either accepted or rejected, the deposit history will show the deposit as “unknown”.

If a check is rejected for any reason, you will need to bring it in to a branch of the credit union. At this time, depending on the reason for rejection, we may or may not choose to accept the check for deposit.

Generally, funds from items submitted through Remote Deposit Capture will be available after 4:00p.m. on the day the deposit is received; however, we may delay availability of funds from any deposit you make through the Remote Deposit Capture service at any time at our sole discretion, dependent on our ability to collect. NOTE: A transmitted image is considered received by us only when we expressly acknowledge such receipt. Receipt of such confirmation does not mean that the transmission was error free or complete, nor does it mean that the item was accepted for deposit.

Debit and ACH transactions can be posted throughout the day.  Remote Deposit Capture items are processed between 2 PM and 4 PM Eastern time on days the credit union is open for business.  If a scanned deposit was posted after the debit transaction was presented, the deposit was not yet available to pay the debit transaction, which could result in an overdraft. Debit transactions (debit card, checks, or ACH transactions) should not be authorized prior to when you have funds available in your checking account for those items to clear.

No. You will not be able to re-deposit a returned check using the Remote Deposit Capture service. You will need to bring the returned check in to the credit union.

You should store the original check in a secure location for 180 days. After 180 days, you should shred or otherwise destroy the check.

No. There are many factors that can impact the readability of a scanned check including check size, colors and designs. This is one of the reasons we require you to keep the original check for 180 days after transmitting the item.

Information regarding transmitted items will be available on the mobile app for 60 days. Any additional information can be obtained by contacting the credit union.