Mobile Deposit

Overview

With UICCU Remote Deposit Anywhere, you can deposit checks quickly and securely right from your smartphone, tablet, or other mobile device.

Details

Who is eligible for Remote Deposit Anywhere?

  • Any UICCU member with an iBranch online banking account set up and a checking account in good standing

How can I sign up for Remote Deposit Anywhere?

  • Stop by a UICCU branch location
  • Submit a request through secure messaging service in iBranch
  • Call 217-278-7700

How to Deposit Checks

Once you’ve downloaded the UICCU mobile banking app and signed up for Remote Deposit Anywhere, you can deposit up to $1,500 daily or $5,000 monthly, whichever comes first (limited to 5 items per day and 20 items per month).

 

Step 1

Select RDA in Menu Mobile App

Once you are logged in to the mobile banking app, select “Deposit Checks” in the menu

Step 2

Add Checks Mobile App

Any previous deposits will show up here. Select the “+” sign to deposit a check

Step 3

Make a Deposit Mobile App

Select “Front of Check” to capture an image of the front of your check, then “Back of Check” for the back image

How to Deposit Checks Continued...

Step 4

Front of Check Capture Mobile App

Capture an image of the front of your check. Make sure you are using a solid background without text or patterns, and ensure that you have quality lighting. Your phone will capture the image automatically. If it cannot take the photo automatically, it will inform you to capture the image yourself.

Step 5

Back of Check Capture

Make sure you have endorsed the check with “For Mobile Deposit Only”, “UICCU”, and your signature. Capture an image of the back of your check. Make sure you are using a solid background without text or patterns, and ensure that you have quality lighting. Your phone will capture the image automatically. If it cannot take the photo automatically, it will inform you to capture the image yourself.

Step 6

Deposit To and Amount

Select the account you want to deposit to, enter the amount of the check, and select submit.

You’ll receive immediate confirmation that your submitted check has been received for verification. If your mobile deposit is received before 2:00 PM, up to $500 of the deposit will be available by 5:30 PM the same business day. Any deposits received after that will be available by 5:30 PM the next business day.

Once the deposit has been credited to your account, store the original check securely for 30 days before destroying it.

Frequently Asked Questions

How should I endorse a check for Remote Deposit?

The back of each check must have the following endorsement:

  • “For Mobile Deposit Only”
  • “UICCU”
  • Payee’s signature

My deposit was rejected due to image distortion. How can I avoid this?

It is recommended that you place the check on a uniform surface, like a plain counter top or piece of printer paper to avoid the camera picking up background text or patterns that will distort the image. Keep in mind that the check does not need to be lined up on top of the guidelines, but only within the guidelines. The check will enlarge once it’s been recognized and captured. Also, try to flatten the check as much as possible. Folds and wrinkles can cause the image to distort.

When are funds made available through Remote Deposit Anywhere?

  • Deposits submitted after 2:00 PM Central Time will be credited to your account by the end of the following business day.
    • Up to $500 is made available immediately, with the remainder placed on a two (2) business day hold.
  • Deposits made to accounts opened within the preceding thirty (30) day period will be subject to a seven (7) business day hold.

What is the maximum dollar limit I can deposit via Remote Deposit Anywhere?

  • Deposit amount limit of $1,500 daily / $5,000 monthly.
    • This limit may be reached with a single check or an aggregate of multiple checks.
  • Item limit of 5 items (checks) daily / 20 items (checks) monthly.

What types of checks are not eligible for submission using Remote Deposit Anywhere?

The following items cannot be submitted for deposit using Remote Deposit Anywhere:

  • Savings Bonds
  • Foreign Checks
  • Any item drawn on your UICCU account
  • Any item that is “Stale Dated” (expired) or “Post Dated” (dated for a future date)
  • Any item that is incomplete (i.e. missing the date, missing the payee, etc.)
  • Any item that contains evidence of alteration to the information on the check
  • Any item that is stamped with a “non-negotiable” watermark
  • Any third party check (any item that is made payable to another party and then endorsed to someone else by such party)

How long should I hold on to my check(s) after I submit it using Remote Deposit Anywhere?

Once you have submitted your check(s) and your deposit has been credited to your account, you should securely store the original check(s) for thirty (30) days before destroying it.

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