Mobile Check Deposit

FAQs

Am I eligible to use Mobile Check Deposit?

To use Mobile Check Deposit, you must be at least 18 years, be enrolled in Digital Banking, and have a savings or checking account.

How much does this service cost?

Mobile Check Deposit is free! There is no cost to download our app and no additional equipment to purchase.

What are the system requirements to use Mobile Check Deposit?

For Apple users, your device must be updated to iOS version 13.0 or higher. For Android users, your device must be updated to Android version 8.0 or higher.
The following mobile operating systems are not compatible with our mobile app:

• Windows Phone
• Blackberry
• Kindle Fire

Do I need a deposit ticket to make a deposit?

Sending a clear image of the front and back of the check is all that we need to make your deposit.

How long will it take to receive credit for my deposit?

If you make your deposit on a business day prior to 3:00 pm EST, it will be reviewed and credited that business day. If your deposit is submitted after 3:00 pm EST, your deposit will be reviewed and credited by the end of the following business day.

When will I be able to use the funds?

Checks submitted via Mobile Check Deposit have an automatic 2 business day hold on the full amount of the deposit.

How will I know the check image was accepted? What type of confirmation will I receive?

You will receive an email confirmation or a confirmation during the deposit.

How secure is this service?

Our mobile service features multiple layers of security including password protection, internet firewalls and 128-bit encryption, the highest level of security available.

What do I do with the paper check after I submit it?

Do not destroy the actual check until you are positive the deposit was credited to your account. After you receive confirmation your deposit was processed, we suggest you write "void" on the front of the check and store the check securely for 90 days.

Is there a limit to how many checks I can scan?

There is no daily check limit.

Is there a limit on the amount I can deposit?

Yes, you can use Mobile Check Deposit to submit up to $5,000 per day and $25,000 per a rolling 30 day period.

What accounts can I make a deposit to with this service?

You can make deposits to your checking and savings accounts.

Are there any items that cannot be deposited via Mobile Check Deposit?

Items that cannot be deposited are:

• Third-Party Checks
• Checks not payable to you
• Checks over $5,000
• Checks with conditional endorsements
• Checks payable to more than one person where all parties are not signers on the account
• Any item stamped “non-negotiable” or “this is not a check”
• Money Orders
• Travelers Checks
• "Stale" or "Post" dated checks
• Any item issued by a financial institution in a foreign country or in foreign currency
• Any item that is incomplete
• Any item that contains evidence of alteration
• Any item drawn on your account at DPCU
• Remotely created checks

Once I register for Mobile Check Deposit, can I use someone else's device to make a deposit or is the service registered to my specific device?

The service is not registered to a specific device. You can use any device that has our mobile app installed to make a deposit.

You may receive emails from Dutch Point Credit Union DPCU Mobile Deposit Administrator for the following reasons:

Deposit Item Deleted

• Duplicate: Check being deposited was already received and accepted.
• Ineligible Item: Check being deposited is ineligible for Mobile Check Deposit.
• Non-Conforming Item: The check image received was not clear enough to process. Please retry your deposit.
• Deposit Amount Adjusted: The amount you entered for your deposit did not match the amount on the check. The deposit was accepted with the adjusted amount in the email.

Deposit Accepted

• A deposit that was being held has been accepted.

I am having issues and need some help. Who can I call?

Contact us during normal business hours at 860-563-2617 or 800-842-1778.