Enjoy Forest Area Federal Credit Union’s new mobile App, now equipped with Remote Deposit Capture!* The FREE app is available for both Android and iOS mobile device users. Check Account Balances, Transfer money, and deposit checks plus much more all through your smartphone.
Download the mobile app
- Visit the app store on your mobile device
- Search Forest Area FCU
- Download and open the app
Sign up for Remote Deposit Capture
- Open the FACFU App on your smartphone.
- Select Move Money Icon on the toolbar
- Click on the Deposit Check Icon You will be prompted to register for Remote Deposit Capture.
- Enter all required information for the User Request Form.
- After your registration is submitted, your account will be reviewed within one business day and should your request be approved, you will be notified via email.
- Enjoy the convenience of this great service!
*Standard text messaging rates and some restrictions may apply. Features may or may not be available based on carrier/phone model. RDC is available only for deposits to FAFCU regular Savings and Checking accounts. RDC access may be revoked at any time at credit unions discretion. Larger deposits may require a manual approval and could take up to one business day to process.
Who can use RDC?
Any Member who:
- Has a good standing account
- Is 16 plus years of age
- Is enrolled in online banking
- Has an active account with FAFCU
- Has not previously abused RDC or evasive NSF items
What are the steps for approval?
Members must meet the standard requirements listed above, and then apply for RDC thru the mobile app. Once the member requests access, a FAFCU employee will review the request to make sure they meet the above requirements and make a decision.
What are the check limits for RDC?
Review All Items: NO
Maximum amount per item: $999.99
Maximum amount per day: $2,500.00
Maximum rolling 30-day amount: $25,000.00
Item Review Amount: $750.00
Check hold policy for RDC
At this time, we do not hold RDC checks, checks that need reviewing may require a hold according to FAFCU checking hold policy. This gives us the opportunity to review the check before we process it. Check holds will follow Reg CC and release $200 after 24 hours.
How does a check need to be endorsed for RDC?
Endorsement is very important for RDC. As a teller, you will need to watch for this to make sure that they are not depositing the check twice. The mobile app tells the member to write deposited to FAFCU and account number on back of check.
How are “on us” checks processed?
As the checks are submitted to our Check 21 solution (Check Logic) as soon as the member hits submit, the check will process like a typical outside check.
Can all checks be deposited via Remote Deposit Capture?
All checks are eligible to be deposited using RDC as long as the items are a U.S. check and have a fully encoded MICR line (the numbers and symbols at the bottom of the check: they include the routing number, account number and serial/check number). International (example: Canadian) checks are not eligible. As always, international items must be deposited through a branch office.
What types of check can I deposit?
Only checks made payable to the owner(s) of your account and drawn on a financial institution in the United States are eligible for deposit with Mobile Remote Deposit.
What happens to the checks after I scan them?
Checks will be processed as if it were a paper item brought in to the credit union. You are required to keep the physical checks in a secure location for 30 days. After that time, they must be destroyed using a shredder or incinerator.
What is the cut-off time for processing the checks?
Checks may be deposited at any time. Our system is set to post checks at 8:30, 12:00 pm, 4:00 pm and 11 pm.
What happens if I deposit a check more than once?
You the member are responsible for the duplicate. The remote deposit capture module has built-in safeguards to prevent the same item from being deposited more than once online. However, if a check is deposited online and at a branch, our backend system will detect the duplicate check. The amount of the duplicate item will be debited from your account.
Which mobile devices does Mobile Remote Deposit work with?
This product works with all iPhone and Android devices.
Is there a charge to use Mobile Remote?
Forest Area Federal Credit Union offers this product to our members free; however, there may be wireless carrier fees from your provider.
How do I access Mobile Remote Deposit?
Before you can access Mobile Remote Deposit, you must first be enrolled in Forest Area Federal Credit Union’s online banking program. Then, you can download our Mobile Banking app from your phone. Once you’ve downloaded the app, you will see an option called “Move Money”. This is where the Remote Deposit program is stored. You will then be prompted to choose which account you want to deposit the check to, the amount of the check and then you will proceed to take a picture of the front and back of your check. You must be sure to endorse the back of your check.
How do I know that a deposit was made?
All images processed for deposit through Mobile Remote Deposit will be treated as “deposits” under your current Membership and Account Agreement with us and will be subject to the terms of the Membership and Account Agreement. When we receive an image, you will receive a confirmation through the Mobile Remote Deposit service that the deposit has been submitted.
When will my deposit be credited to my account?
The total amount of daily checks deposited, less any holds, up to your available limit will be immediately credited to your account following the next scheduled posting.
Are deposits made through Mobile Remote secure?
All Forest Area Federal Credit Union online products are secure. Forest Area Federal Credit Union recommends that you always password protect your mobile device and not share your password with anyone.
Check Image Tips
- Take the photo against a background with a strong contrast between the check and the surrounding area.
- Position the camera above the check so there is no angle.
- Move any objects that show up in the picture away from the check.
- Make sure the check is visible, contains all four corners, is well lit and in focus.
- The check must contain a readable check number, payee name, and endorsement as described below.
- The check must contain a readable character (numeric) amount of the check and legal amount of the check.
- The check must be drawn on an institution located within the United States.