Remote Deposit

Frequently Asked Questions

What is Remote Deposit?

How do I deposit a check with Remote Deposit?

Who is eligible to use Remote Deposit?

What type of mobile device do I need to use Remote Deposit through South Carolina Federal's Mobile App?

Is there a cost for using Remote Deposit?

When will the funds be available when making a Remote Deposit?

Are there limits for deposits made using Remote Deposit?

What do I do with the paper check after the deposit is submitted?

What are some tips using Remote Deposit?

Will I still receive confirmation e-mails?

What is Remote Deposit?

Remote Deposit offers you a secure, convenient way of depositing paper checks into your account remotely using our Mobile App with your iPhone^™ or Android^™ smartphone or tablet.

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How do I deposit a check with Remote Deposit?

Log in using South Carolina Federal's Mobile App:

• Endorse your check and include  "Mobile Deposit Only" on the back
  (Some checks have this printed on the back with a check box. If that is the case on the check you are depositing, simply check the box and endorse the check with your signature. If not, please do not forget to write it in. Unfortunately, the credit union will not be able to process checks that do not have the proper signature endorsement AND "Mobile Deposit Only" or the check box marked.)
• Tap "Deposits"
• Select "Deposit check"
• Select the account where you would like to deposit the funds
• Enter the check amount
• Take a picture of the front of your check (make sure to include all four corners of your check)
• Take a picture of the back of your check (make sure to include all four corners of your check and make sure you have endorsed it and written "Via Remote Deposit")
• Select "Next" once photos are accepted
• You will be asked to confirm your deposit details before completing the deposit
• Select "Yes"

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Who is eligible to use Remote Deposit?

Remote Deposit is available to members who are

• In good standing
• Mobile App users with a smartphone or tablet

South Carolina Federal has the right to not approve, suspend or terminate your use of Remote Deposit at any time and without prior notice to you, please see the Remote Deposit section of the Mobiliti (Mobile Banking) Terms and Conditions.

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What type of mobile device do I need to use Remote Deposit through South Carolina Federal's Mobile App?

Remote Deposit is supported on mobile devices that meet the following criteria:

• Android or iPhone device
• A 2MP or higher camera
• Apple iOS 4.0 or later
• Android 1.5 or up

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Is there a cost for using Remote Deposit?

Remote Deposit is free, beginning on acceptance of the Mobiliti (Mobile Banking) Terms and Conditions.

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When will the funds be available when making a Remote Deposit?

Check deposits made using Remote Deposit are subject to verification and will generally be available for withdrawal within two (2) business days. Once you reach the screen showing "Deposit Pending," the system has accepted your deposit. Next, the Remote Deposit Administrator will review your deposit and accept or deny it. You will not receive notification of this decision. You can review your deposit history in Online Banking or in the Mobile App to view the status of your deposit. To use the mobile app to determine if your Remote Deposit has been accepted, follow these steps:

1. Log in to the mobile app (the same one you used to deposit the check)
2. Go to Deposits
3. View Deposit History
4. Select Deposit in question
5. Status will display

Deposits received on weekends, federal holidays and Monday through Friday after 5 p.m. ET are processed on the following business day.

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Are there limits for deposits made using Remote Deposit?

You are not limited to the number of deposits you can make using Remote Deposit. However, there are daily and per item limits on the deposit amounts that can be processed per user. Members cannot deposit more than:

• $4,000.00 per item
• $4,000.00 per day

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What do I do with the paper check after the deposit is submitted?

Once your check image has been credited to your account, you must retain the original check for sixty (60) days. You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution. During this 60-day period, you must store the original paper check securely and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the clearing and collection process, to address third party claims, or for our own audit purposes.

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What are some tips using Remote Deposit?

Through South Carolina Federal Mobile App:

• Close other apps running in the background.
• Plan to take your check photos in a well-lit area to avoid shadows.
• Place your check on solid dark backgrounds before taking your photos.
• Keep the check within the on-screen corners when capturing your photos.
• Keep your phone or tablet flat and steady above the check when taking your photos.
• Flatten folded or crumpled checks before taking your photos.
• Verify that the back of your check is signed (endorsed) and labeled "Via Remote Deposit."
• Make sure that the entire check image is visible and in focus before submitting your deposit.
• Confirm that the check amount entered matches the amount written on your check.
• Check deposits are subject to verification and will generally be available for withdrawal within two (2) business days.

South Carolina Federal reserves the right to hold the funds in accordance with the Funds Availability Policy Disclosure in your Account Agreement.

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Will I still receive confirmation e-mails?

No, you will have to check the mobile app for the status of your remote deposit.

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