Remote Deposit Capture

Smart Banking with your smart phone.

Mobile Check Deposit allows you to deposit checks directly into your account simply by taking a picture of the check with your Apple® or Android® smartphone. Simply log in, select Check Deposit, choose the account for deposit, take pictures – and you’re done. No more running to a branch with your check or tracking down a stamp to send it in. It’s that easy!  You can access the Mobile Remote Check Deposit within the MCU Mobile App.

And best of all, Mobile Deposit is a FREE feature of our mobile apps.  Simply:

  • Tap – select Check Deposit once signed into your app
  • Choose deposit to account then enter amount
  • Click – take a photo of the front and back of your check
  • Deposit – Submit your deposit

Mobile Deposit Tips:

  • Always endorse your check with signature and account number
  • We require members to write, “For Mobile Deposit only” on the back of all checks.  If not written, we will decline the itemEndorsement1
  • Take photos in an area with appropriate lighting
  • Keep your paper check for at least 30 days

– Deposit Limits:

  • $5,000 maximum per transaction
  • $5,000 maximum per business day
  • $10,000 maximum per 30 calendar days
  • Maximum number of images that may be deposited during any one business day is five.

Try it!  Download our app on the App Store or Google Play

                        

Remote Deposit Frequently Asked Questions

FAQS

Q. What is Remote Deposit Capture?
Remote Deposit Capture is a convenient service that enables you to make deposits to your accounts from anywhere, just by using a scanning device or an iPhone®, iPad® or Android® smart phone from any location with secure Internet access.

Q. Can I use my online/MCU online user name and password to use Remote Deposit?
No. For added security, you must create a separate user name and password to use mobile check deposit.

Q. Am I eligible to use Remote Deposit?
You must be a member with an account in good standing for 60 days.

Q. How can I enroll into RDC Mobile?
To enroll into RDC, you must first be a member at Memorial Credit Union. If you are a member, you can enroll by downloading the Remote Deposit – Mobile app from the App Store (iPhone) or Market App (Android). Search for Memorial Credit Union.

Q. How quickly are my funds available?
Funds will appear in your account after your “deposit” has been approved. This is usually within 24 hours (similar to an in-person check deposit) provided there are no issues with the deposit. You should be notified by email if there are any issues with your check deposit. REMEMBER to read the Remote Deposit Check Notice and Agreement.

Q. Is there a limit to how many checks and/or the amount?
Yes. There is a per deposit limit of $5,000; daily limit of $5,000; and a 30 day limit of $10,000 for Remote Deposit.

Q. I’m seeing a password validation error. What are the requirements for the password?
Your password must follow these requirements: 1) At least 8-20 characters; 2) One uppercase letter; 3) One number; 4) One special character.

Q. Do I need to endorse my check?
Yes. Please endorse the back of your check as normal and below signature add your account number and we require members to write “For Mobile Deposit only” prior to taking a picture of the check to be deposited.

Q. How do I verify that a check has been accepted?
To check the status of a deposit, log into the application and click on the ‘Review’ button. Deposit history for all statuses will be displayed “pending,” “rejected,” or “accepted.”

Q. How long should I keep my check?
Please keep your check for 30 days following confirmation of deposit.

Q. What emails should I expect to receive regarding Remote Deposit?
Once member has registered for Remote Deposit, the member will receive a confirmation email that he/she is registered.

Q. When can Remote Deposits be issued to the credit union?
You can transmit Remote Deposits to us 24-hours a day, 7-days a week, even on weekends and holidays.  Check will not be processed until normal business hours.

Q. When are Remote Deposit items processed?
Items received by 3:00 p.m. (Central), Monday – Friday, will be posted by the end of the same business day. Items received after 3:00 p.m. will be posted by the end of day the following business day.

Q. What are the fees for the service?
Members will not be charged a monthly fee to use Remote Deposit.

Q. I receive a “warning” on my phone when accessing Mobile Check Deposit.
Our app includes security feature (Lookout) that allow you as a user to set your levels of “security.” The feature defaults to tell you when accessing a “risk” feature of the app. Go to the “Mobile App Security” in the app menu and download the Lookout App.

What types of checks can I submit through Remote Deposit Capture?

Eligible checks listed below:

• Checks must be made payable to person(s) on the account. No 3rd party endorsements.
• If check is payable to more than one person; all payees must be on the account the check is being deposited into.
• Check does not appear to be altered or fraudulent.
• Check is drawn on a US bank. No foreign checks.
• Check is payable in US $. No foreign currency.
• Check date is within the last 6 months.

What types of checks are not allowed to submit through Remote Deposit Capture?

Ineligible checks listed below.

• Savings bonds
• Foreign checks
• Third party checks and insurance checks.
• Items stamped “non-negotiable”
• Incomplete checks
• Stale-dated checks (more than 6 months old)
• Post-dated checks (dated for a future day)
• Any checks that contain evidence of alteration to the information
• Checks purporting to be a lottery or prize winning
• Checks previously submitted for deposit, unless requested by Memorial Credit Union.

 

  Remote Deposit Capture Disclosure

*If you have any questions, email us at accounting@memorialcu.org or call us at 713-778-6300 during business hours.

*Please do not send any sensitive information in the email (e.g. account numbers, social security numbers, date of birth, etc.). If your question involves your accounts, finances, and/or private information, please call us or log into MCU Online and use the secure message to contact us.
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