DEPOSIT ANYWHERE
A Feature of the Mobile Banking App
for iPhone®, iPad®, AndroidTM (up to 2.3), and Android TabletTM
Deposit Anywhere allows qualified Credit Union members to
conveniently make secure deposits anytime using their mobile
device and the BCU Mobile Banking app.
Features:
• No forms to fill out
• Convenience of depositing your checks on the go
• Easy access through the BCU Mobile Banking application
GETTING STARTED
Requirements to use Deposit Anywhere through the BCU Mobile App:
• To qualify to use the service, you must be a member of the Credit Union for
one month (minimum) and have account(s) in good standing
• Enrollment in Online Banking
• Access to an Apple® or AndroidTM powered mobile device with the BCU
Mobile Banking application installed.
Make sure to properly endorse the back of your check. Otherwise, your check may be rejected by the
Credit Union. Proper endorsement includes:
• The words “For Deposit via Deposit Anywhere”
• The Payee’s signature
• The account number to which the check is being deposited
• Today’s date (mm/dd/yyyy)
*Important note: Check your Android operating system prior to use. Applies to Android operating systems up to 2.3 (Gingerbread). If your OS is 4.0 (Ice Cream Sandwich) or
higher, please continue to use Deposit Anywhere through our mobile site.
iPhone®, iPad® are registered trademarks of Apple, Inc. AndroidTM is a trademark of Google, Inc.
Deposit Anywhere
DEPOSITING A CHECK
1. Launch the BCU Mobile Banking application on your mobile device and select the “Deposit Anywhere” link.
2. Login to your account using your Online Banking login and password.
3. If you have more than one account with the Credit Union, you will need to indicate which account you wish to make your
deposit to. Please note that the Deposit Anywhere service will be unavailable daily between 12:00 am and 3:30 am CST for
system updates.
4. The first time you use this service, you will be asked to review and accept the Deposit Anywhere Agreement before you
can continue.
5. Once you accept the agreement, you will be taken to the Deposit Anywhere
home screen.
6. Enter the amount of the check.
7. When done, select “Deposit Anywhere” and enter the amount of your check. Then select
“Capture Check Front.”
8. To capture the front check image:
• Place the check, with the front side facing up, on a well-lit surface, free of any clutter.
Tip: You might find that you get a more accurate picture of your check if the
color of the background is solid and contrasts your check.
•
Tap the Camera icon to activate your phone’s camera.
Align the check
within the green guidelines, making sure the entire check is completely within the
guidelines and there is nothing else in the image (see image below right).
•
Take the picture. The image will be automatically cropped to the guidelines and
converted to black and white. Be sure to verify that all of the information on the
check is viewable and readable.
•
Tap Next to continue.
9. Select “Capture Check Back” and follow the same steps to capture an image of the
back of the check. This image is required to properly deposit your check.
10. After you capture the back of your check and tap the Next button, verify your
deposit details.
Deposit Anywhere
DEPOSITING A CHECK (cont.)
11. Your deposit will automatically be submitted after you successfully capture the font and
back image.
Please note: If your check is held for review, you will see the transaction pending on the
Deposit Anywhere home screen.
12. Once you have verified that the deposit has cleared through Online Banking, you should
destroy the check after 90 days.
13. For security purposes, be sure to select “Log off” within the Mobile Banking app.
AFTER SUBMITTING A DEPOSIT
•
The transaction will post to your account immediately if no review is necessary. Otherwise, availability of funds is based on
the Funds Availability Policy within your Deposit Account Agreement (located on in the Policy Update section on the Credit
Union Web site).
•
You will receive an email, to the address on file, notifying you if a check is rejected by the Credit Union for any reason with
instructions on how to resubmit your deposit.
•
If your check is held for review, you will receive an email notifying you when the funds are available and should appear in your
account. (This process occurs instantly, but could be delayed in the rare case of a system outage).
•
Copies of checks deposited using the Deposit Anywhere mobile application can be viewed through the desktop version
located within Online Banking. Within the desktop version, select the “Deposit History” link in the top right corner. You will be
able to view past deposits online as far back as 18 months.