Remote Deposit Capture FAQs

Services are available to members in good standing who meet qualifications set forth by Garden Island Federal Credit Union. Eligibility is monitored daily for the Services. Access to Services can be authorized, restricted, or discontinued at Garden Island Federal Credit Union’s discretion. Member must have an active account in good standing with Garden Island Federal Credit Union as one of the qualifications for the Services. A 90 days waiting period is required for any new accounts opened.

NOTE: Rejected items will not be able to be re-submitted using Remote Deposit Capture, you will need to do the deposit at one of our branches. Please review the following FAQs to ensure your deposits do not get rejected.

What is Remote Deposit Capture?

Remote Deposit Capture (RDC) is a free service that allows you to make convenient and secure deposits into your savings or checking account by simply taking a picture of both the front and back of your checks with your smartphone camera and our mobile app. Your account will be credited with the deposit and the image is then processed to clear electronically. We currently support Android and iPhone devices.

Who is eligible for RDC?

In order to use RDC, you must be a Garden Island FCU member who meets the following requirements:

  • At least 18 years of age

  • Active account opened at least 90 days

  • No history of returned deposit items

  • Valid email address

  • Current user of Garden Island FCU’s Mobile App

What types of accounts are eligible for RDC?

Personal and business accounts are eligible for Remote Deposit. You must have a valid and current email address on file with us to use the RDC service. You will see the Deposit a Check menu under the Services tab in the mobile app. Tap the menu to begin the process. You must be enrolled in online banking in order to use the mobile app and RDC.

What mobile devices can be used?

RDC is designed to work with our free iPhone and Android apps.

How should I endorse my check?

Any image of a check that a member transmits to Garden Island Federal Credit Union must accurately and legibly provide all the information on the front and back of the check at the time presented. Prior to capturing the original check, the member will endorse the back of the original check with the restrictive endorsement. A proper endorsement would appear as follows:

John A. Doe
For Mobile Deposit Only
Garden Island FCU
Check #

  • Checks must be properly endorsed by all payees

  • You must note “For Mobile Deposit Only, Garden Island FCU and Check #” on the back

  • Checks made to multiple payees will only be accepted if all payees are joint on the deposit account. If the check is payable to both you and a joint owner, either party can endorse.

Please note: If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit, which will require the check to be presented at one of our branches for deposit.

Are there deposit items that cannot be submitted using RDC?

  1. Any item drawn on members’ own account or members’ affiliate’s account.

  2. Any item that is stamped as “non-negotiable”.

  3. Any item that contains evidence of alteration to the original information on the check.

  4. Any item issued by a financial institution in a foreign country.

  5. Any item that is incomplete.

  6. Any item that is “postdated” or “stale dated” (older than six months of date on check(s)).

  7. Any item that exceeds the limits (daily or otherwise) as set forth in the Disclosure and Agreement.

  8. Travelers Check.

  9. Third-party Check.

  10. Savings Bonds.

  11. Any item previously deposited and returned unpaid.

  12. 401k Check.

  13. Retirement Funds.

  14. Insurance Claim Checks.

Check image tips:

  • Take the photo against a clean background with a strong contrast between the check and the surrounding area

  • Smooth out folds and flatten the check before taking your photo

  • Position the camera above the check so there is no angle. Keep your phone flat and steady

  • Ensure the entire check is visible within the view finder, shows all four corners, and is well lit and in focus. Be sure there are no shadows across the check

  • The check must contain a readable check number, payee name, character (numeric) amount of the check and legal written amount of the check; the MICR line (numbers on the bottom of your check) must also be readable

  • Keep hands clear of the check while taking the pictures to avoid pictures of fingers/hands

  • Verify that the back of the check is properly endorsed; it must have the required endorsement

  • The check must be drawn on an institution located within the United States

What happens if my check is rejected?

We will reverse the deposit on your account and notify you via phone or we will send a letter if we reject your deposit for any reason, and you will need to present the item for deposit at one of our branch locations. Please ensure we have your current phone number and address on file so you get the proper notice if a check is rejected.

Once my check is endorsed how do I make my deposit?

Once your check is properly endorsed you will need to log into your account using the mobile app.

  • Tap the Deposit Check menu under Services

  • Choose Account where you want the funds to be deposited to

  • Enter the amount of the check and click “Next”

  • Click on “Front Photo” and either “save” or “discard” and try again if the picture isn’t clear. Ensure the top, bottom and side edges of the check are all visible

  • Click on “Back Photo” and either “save” or “discard”

  • After you have saved a clear image of the front and the back of the check click on “Prepare Deposit”

  • Review then click on “Make Deposit”

When will the funds be in my account?

Funds that you deposit via Mobile Banking may be subject to review and our internal check hold policy. Funds may not be available until the second business day after the day or your deposit. However, the first $225.00 of your deposit will be available by 8:00 PM on the day of your deposit. We reserve the right to place an extended hold on the deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available.

How long should I hold on to my check after submitting via Remote Deposit Capture?

We recommend you store your check in a safe place for 90 days and then discard it (we recommend shredding). We also recommend that you put a note on the front corner of the check that you deposited the check via RDC and the date you did the deposit, so you know when 60 days have passed and so you don’t accidentally try to re-submit the check.

Is there a cost for using RDC?

No, the service is free!

What are the deposit limits?

Limit per deposit daily is $2,200 and with a maximum limit of $5,000 monthly.

What issues may prevent a check from being accepted once the photo is taken:

There are a number of factors that could cause your check to be rejected during the mobile capture process. The following are some of the errors that could occur:

  • The MICR line (line on the bottom of the check containing the account information) may not be clear or may have been cropped in the picture taking

  • The check amount could not be read

  • The check number could not be read

  • The Front signature was not detected or is missing

  • The endorsement on the back of the check is missing

  • The picture is not clear

  • The check amount entered does not match the actual check amount

If any of these errors occur, you can retake the pictures. Make sure that you place the check on a flat, dark colored, well-lit, non-reflective surface. Ensure the top, bottom and side edges of the check are visible in your camera preview window prior to taking the picture.