Remote Deposit Capture FAQs


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.
How does Remote Deposit Capture work?
Remote Deposit enables you to deposit checks remotely using a smart phone through our Online Banking service. You can download an APP from the Apple store for the iPhone®, iPad® or Google Play for the Android® for using your smart phone.
What are the eligibility requirements to use Remote Deposit Capture?
  1. You must be a Deer Valley Credit Union member for at least 180 days before you are eligible to use the RDC Service.
  2. All associated loans and accounts must remain in good standing.
  3. You must use our Online Banking and Mobile Banking service.
Do I need to endorse a check submitted via RDC?
Yes. For a check to be accepted, an endorsement is required, just as you would if depositing at the ATM or in a branch. "For Remote Deposit only at DVCU" must be included on the back of the check.
What types of checks are not allowed to 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 last 6 months;
What types of checks cannot be deposited using DVCU Remote Deposit Capture?
Ineligible checks listed below:

  • Any item that is stamped with a "non-negotiable" watermark;
  • Any item that contains evidence of alteration to the information on the check;
  • Any item issued drawn on a financial institution located outside the United States, or any foreign check;
  • Any item issued in a non-U.S. currency;
  • Any item that is incomplete;
  • Any item that is "stale dated" or "post-dated";
  • Savings Bonds;
  • Any third party check, i.e., any item that is made payable to another party and then endorsed to you by such party;
  • Any starter check that does not contain the drawer's preprinted information;
  • Any check which you know, suspect or should know or suspect to be fraudulent;
  • Any items previously converted to a substitute check or check image;
  • Deposits from the same account that the deposit is crediting;
  • Non-readable or non-visible MICR line items.
How many checks can be included in one deposit?
Only one check can be submitted at a time with RDC.
What should I do with my check after depositing it using DVCU Remote Deposit Capture?
Once you receive deposit confirmation, write "Via RDC" on the front of the original check and store it in a secure location for 90 days.
Remote Deposit Capture User Agreement