FREE Remote Deposit Capture

2018-10-10T17:51:56+00:00October 10th, 2018|

Remote Deposit Capture is an integrated solution offered with features that allow users to make check deposits via Mobiliti (mobile app).  Users photograph the front and back of the check with their iPhone or Android mobile phone, and submit the image for deposit to their account!  The deposit feature will show up in your Mobiliti app.  You do not need to apply for Mobile Deposit.

The following is a list of important reminders for Remote Deposit Capture users:

  • Before logging into the Remote Deposit Capture app, close all other apps running in the background on your mobile phone.
  • Sign/endorse the back of your check, and label it “for mobile deposit only.” Any deposit that does not contain this endorsement will be rejected.
  • If your check contains a box that states “for mobile deposit only” you may sign above and check the box. If the box is not checked the deposit will be rejected.
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  • Flatten folded or crumpled checks before taking photos.
  • Keep the check within the view finder on the camera screen when capturing your photos.
  • Try not to get too much of the area surrounding the check.
  • Take the photos of your check in a well-lit area.
  • Place the check on a solid dark background before taking the photo of it.
  • Keep your phone flat and steady above the check when taking your photos.
  • Hold camera as square to the check as possible to reduce comer to corner skew.
  • Make sure that the entire check image is visible and in focus before submitting your deposit.
  • No shadows across the check.
  • All four corners should be visible.
  • Check should not be blurry.
  • The MICR line (numbers on the bottom of your checks) must be readable.
  • No Foreign Item, IRD’s (image replacement documents) will be accepted.
  • 180 days of MICR data is retained for Duplicate Detection
  • Images are retained for 45 days
  • Single item Deposit Limit ($2,500.00)
  • Daily Deposit Limit ($2,500.00)
  • Items will be rejected for missing endorsement, amount mismatch and poor image quality.
  • Funds deposited will not be immediately available. You will see the deposit in your history, with funds normally available within two business days.
  • Deposits made after 1:00 PM will not show pending credit until the following day.
  • Deposits may be made to checking accounts only.