Bay Cities Credit Union
FAQs & Helpful Hints – Remote Deposit
FAQs
What are the qualifications for the Mobile Deposit service?
Are deposits made using Mobile Deposit secure?
How should I endorse the check?
What should I do with the check once it has been submitted for remote deposit?
What types of checks can be accepted for deposit?
How many checks can I deposit using Mobile Deposit?
When will my deposit be credited to my account?
FAQs
Depositing a check is as simple as taking a photo with your phone or iPad. Simply log into the mobile app on your iPhone, Android or iPad device and make real-time deposits into your account.
What are the qualifications for the Mobile Deposit service?
- Must be a member for at least 90 days
- Must have Bay Cities Mobile app
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Are deposits made using Mobile Deposit App secure?
Like all Bay Cities features, transmission made using the Mobile app are safe and secure. It is very important that you take appropriate steps to protect the security of your phone like:
- Password protecting your mobile device
- Keeping your mobile device in a secure spot when not in use
- Securing your login information
- Updating passwords periodically
Let Bay Cities know immediately if you think your login information has been compromised.
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How should I endorse the check?
The back of each check must include:
- The payee’s signature
- The words, “For Mobile Deposit at BCCU”
NOTE: If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit.
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What should I do with the check once it has been submitted for remote deposit?
Upon receipt of confirmation from Bay Cities that the image of an item has been accepted, prominently mark the check as “Electronically Presented,” or “Void” to ensure that it is not represented for payment. You will need to retain the check, or a sufficient copy of the front and back of it, in the event of a deposit dispute.
What types of checks can be accepted for deposit?
Only single-party domestic checks made payable to the owner(s) of the account may be deposited. The following is a list of unacceptable items that may not be deposited using Remote Deposit:
- BCCU check drawn on your personal account.
- Third Party Checks – Checks payable to someone else, endorsed and signed over to you.
- Incomplete Items – Checks that do not contain signatures of the maker.
- Non-Negotiable Items – The online deposit of any item stamped with a “non-negotiable” watermark is PROHIBITED. Online deposits of this nature may subject you to criminal prosecution.
- Returned Checks – Any check that you deposited that is returned to us not payable as a result of insufficient funds, stop payment, or other related reasons.
- Altered Checks – Any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check.
- Foreign Checks – Any check that is issued to you and drawn on a financial institution in another country.
- Savings Bonds.
- Stale Dated Checks – Certain checks contain instructions such as: “Void 90 days after issue date.” If no instructions are contained, then the check is considered stale 6 months after the issue date.
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How many checks can I deposit using Mobile Deposit?
You can deposit as many checks as you’d like up to the deposit limit of $5,000. However, you can only deposit one check at a time.
When will my deposit be credited to my account?
The total amount of deposits made (less holds that apply according to the Funds Availability Policy, up to your available deposit limit), will be immediately credited to your account. There could be times that the services may flag a deposit for manual review and release by Credit Union personnel (i.e., image is not clear when received at the Credit Union, etc.). The manual review process will occur on:
- The same business day for manual review items submitted before 3:00 pm PST, or
- The next business day for manual review items submitted after 3:00 pm PST on a normal business day (Monday through Friday, excluding holidays) or those submitted on a weekend or holiday.
