Frequently Asked Questions

Remote Deposit

 

GETTING STARTED — Mobile iOS and Android

What is Remote Deposit Anywhere (RDA)?

With Remote Deposit, depositing a check is as simple as taking a photo. Simply snap photos of the front and back of your check with your iPhone/iPad, Android device, endorse properly, and make a deposit into your credit union account.

How much does it cost to use the Remote Deposit app?

There is no fee to install/enable the Remote Deposit app. However, standard wireless carrier data and charges apply; so please make sure you understand the terms of your mobile agreement before using the app.

Who can enroll Remote Deposit?

    • In order to enroll for Remote Deposit, your account must be in good standing with the criteria listed below:
  • Must be over 18 years of age
  • Account must be open for a minimum of 30 days
  • Must have an active account
  • Account must be in good standing, which is but not limited to:
    • Loans cannot be in delinquency status
    • Cannot have any charged off loans or shares
    • Cannot have derogatory action placed on accounts
    • Cannot have an excessive NSF history

How do I enroll for Remote Deposit?

In order to use Remote Deposit, you will need to enroll for the service and enable your mobile settings from your pc, then download our mobile app from iTunes or Google Play. 

What devices can I use to access Remote Deposit?

There are a few ways to access Remote Deposit – either via our Reliant mobile app or through Online Banking. If you do not have the Deposit Funds tab located in tabs across the top of Online Banking, or the Deposit tabs within the mobile banking app (iOS users may need to click on “More”), then you will need to follow the steps for enrollment, or contact us at contactus@reliantfcu.com to get set up. In order to use Remote Deposit, your account must be in good standing.

  • On your iPhone/iPad:
    • Verify you have the mobile app, if not download the app via the App store.
      Make sure you have first registered your mobile device. Log into mobile banking via your iPhone, click the "More" icon, then click the Deposit button.
  • On your Android phone:
    • Verify you have the mobile app, if not download the app via Google Play.
      Make sure you have first registered your mobile device. Log into mobile banking via your Android phone, click the "Deposit" icon

Can I use Remote Deposit to deposit checks into my business account(s)?

Yes, at this time Remote Deposit may be available for business accounts. Please contact our eServices Department or contactus@reliantfcu.com for additional details.

How do I endorse a Remote Deposit check?

To endorse a check for deposit through our mobile app, you must:

  • Sign the back of the check within 1 ½” from the top edge.
  • Write “For Remote Deposit Only” below your signature(s).
  • For a check payable to you and any joint owner(s) of your credit union account, the check must be endorsed by all such payees. You may only use Remote Deposit to deposit such a check into your credit union account that is jointly owned by all such payees.
  • If the check is payable to you or your joint owner, either party can endorse.
  • If the check is made payable to you and any non-joint owner, you may not deposit the check in your credit union account using Remote Deposit.

Is there a cut-off time to make my deposit?

No, there is no cut off time.  In most cases, funds will be made available immediately for your use.

How do I get the best image of the check using Remote Deposit?

Please remember to endorse the check before you take a picture or scan it. If you don't, the payer's bank may choose not to pay it, and the deposit to your account will be reversed.

  • Flatten the check and place it on a dark, non-reflective surface.
  • Make sure there is enough light to distinguish the check from the background.
  • When the image is displayed for you to review, if it is not readable, tap "Retake" to retake the picture of the check.
  • If Remote Deposit Anywhere cannot correctly interpret the writing on your check, you can always deposit the check at any one of our branch locations.

Where can I find the terms and conditions for Remote Deposit?

It will be available when you enroll for Remote Deposit within Online Banking, plus it can be found on our website in the Disclosures section.

Are deposits made using the Remote Deposit app secure?

Your transmissions made using the Remote Deposit app are safe and secure. Check images are only stored on the phone until you complete your deposit. If you launch the app and take photos of a check in "Offline Mode," the check image is stored on the phone until the next time you log in to the app and submit the deposit. For this reason, it is important that you take appropriate steps to protect the security of your phone like:

  • Password protect your mobile device
  • Keep your mobile device in a secure spot when not in use
  • Secure your login information
  • Let the credit union know immediately if you think your login information has been compromised

AFTER MY DEPOSIT — Mobile iOS and Android

What do I do with my check after I have sent the image?

A processing deposit confirmation will be sent to the email address currently set in Online Banking under Options. For your protection, record the confirmation number on your check. Retain it until the funds are available in your account balance. After 60 days, you should properly destroy or shred the check.

TROUBLESHOOTING — Mobile iOS and Android

I downloaded the app but am unable to login?

You must first register your mobile device and enroll within Online Banking, please contact contactus@reliantfcu.com for technical support.

I am getting a message inside of my app that says "Account Not Active"

You must first authenticate mobile banking within Online Banking via our website (Options tab – mobile settings).

  • Click on the Options tab
  • Then click on Mobile Settings
  • Check Enable web access for your mobile device (within the Web Mobile Settings tab)
  • Enter your mobile phone number
  • Choose your wireless provider. NOTE: If you are a Cingular user that merged into AT&T, please select Cingular as your carrier.
  • Select the accounts you want to access from your mobile phone
  • Click the Submit button and a text message will be sent to your phone

I do not see the "Deposits" button in my app (iPhone users only).

If you are on an iOS device, and have multiple services enabled (i.e. bill pay, alerts, locations), you may need to click on the “More” button to view all services available including “Deposits”. If you can still not see the “Deposits” option, contact eServices at contactus@reliantfcu.com.

Why don’t I see Remote Deposit in my app?

If you enrolled today, please allow up to one business day to process your request. Otherwise, if you do not have the Remote Deposit option in the mobile banking app, you will need to follow the steps for enrollment or email contactus@reliantfcu.com for technical support.

I am experiencing some very slow response times with I try to look at my account detail.

You may have changed your Transaction settings to "All." To adjust the amount of transactions that get pulled from our server, log into the full version of Online Banking from your desktop browser, go to Options > Display, and change Transactions to "Last 30 Days." Please log back into Online Banking via your mobile app to confirm that your response time has improved.

I continue to take photos of the front and back of my check, but it will not let me deposit the check.

If you notice that the green check mark disappears on the "Check Front" after you take a photo of the "Check Back" and vise versa, then you may need to restart the phone.
Your phone and the Remote Deposit app are not working together correctly and need to be rebooted. Power down the phone completely then turn back on. Once the phone is back on, log back into your account and try to redeposit your check.

A check I deposited was returned or rejected. Can I re-deposit it as a Remote Deposit?

No, if a check was returned, it cannot be re-deposited through the mobile app.

I do not have the option to deposit checks on my iOS device.

Please check under your “More” options first. Also, make sure you have at least version 2.7.10. If you do not, please go to the App Store and check for updates. If you have at least version 2.7.10, please contact our eServices Department at contactus@reliantfcu.com for technical support. If you are unsure which version you have, the version is displayed on the initial loading/login screen of the app.

I do not have the option to deposit checks on my Android device.

If you have version 1.1, you will need to go to Google Play and download our new Android app, version 2.0. It is a different app than version 1.1 so you may want to delete the old app before downloading the new app to avoid confusion. If you have at least version 2.0, then you will need to contact our eServices department at contactus@reliantfcu.com for technical support. If you are unsure which version you have, the version is displayed on the initial loading/login screen of the app.

 

To learn more about Remote Deposit Anywhere, see our helpful tips:

If you still have questions please email us at contactus@reliantfcu.com.

See our terms and conditions for additional information about the Remote Deposit service.