Remote Deposit FAQs

What is remote deposit?

Remote deposit is a service that allows you to make check deposits to your Vantage Checking or Regular Savings account from the convenience of your electronic device. By using standard scanning or taking photos using our smartphone app, you can send secure digital images of checks for deposit into your account(s) at your convenience from anywhere.

Am I eligible to use this service?

Generally, any member who meets the following criteria is eligible to use our remote deposit service:

  • Must be enrolled in online banking
  • Account must be opened for at least 30 days
  • All deposit accounts must be in good standing—none may be negative 16 plus days or have permanent holds or other restrictions placed upon them
  • All loans must be current—none can be more than 16 days delinquent
  • Account isn’t in bankruptcy or involved in other situations including fraud investigation, court order, abuse of the remote deposit service, etc.

What are the requirements for electronically submitting a check?

Transmitted check images must accurately and legibly provide, among other things, the following information:

  1. The information identifying the drawer and the paying financial institution that is preprinted on the check, including complete and accurate MICR information and the signature(s).
  2. Other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check.

Prior to scanning or taking a picture of the original check, you must endorse the back as follows:

  1. Signature of each payee (all payees must be account owners)
  2. Include this underneath signatures: For deposit only at VCU

For record retention and to avoid confusion, you may also wish to include:

  1. Via remote deposit
  2. On mm/dd/yyyy

The image quality for the check needs to meet the standards for image quality established by the American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Our app will let you know if the image is unacceptable and allow you to retry.

Are there deposit limits?

Yes, we have a tier structure for all check deposits that determines deposit limits, auto-acceptance, immediate availability and holds that can fluctuate daily based on a number of factors including, but not limited to, years of membership, available balances, monthly NSFs/Courtesy Pay usage, other services with the credit union, and type and amount of your check.

Tier 1
Single-day/deposit limit = $2,500
Cumulative 30-day deposit limit = $5,000
Immediate availability * = $0
Auto-acceptance limit None

Tier 2
Ineligible for remote deposit

Tier 3
Single-day/deposit limit = $4,000
Cumulative 30-day deposit limit = $8,000
Immediate availability * = $1,000
Auto-acceptance limit ** < $1,000

Tier 4
Single-day/deposit limit = $6,000
Cumulative 30-day deposit limit = $12,000
Immediate availability * = $2,000
Auto-acceptance limit ** < $1,000

Tier 5
Single-day/deposit limit = $10,000
Cumulative 30-day deposit limit = $20,000
Immediate availability * = $5,000
Auto-acceptance limit ** < $1,500

Tier 6
Single-day/deposit limit = $25,000
Cumulative 30-day deposit limit = $50,000
Immediate availability * = $15,000
Auto-acceptance limit ** < $2,000

Tier 7
Single-day/deposit limit = $75,000
Cumulative 30-day deposit limit = $150,000
Immediate availability * = $25,000
Auto-acceptance limit ** < $2,500

* All checks subject to holds at Vantage Credit Union’s discretion. Any applicable holds are viewable via the member’s available balance.

** To qualify for checks to be accepted automatically, members must have completed 10 deposits through remote deposit for Tiers 4-5 or five deposits for Tiers 6-7. Checks with MICR, CAR, or Image Usability Errors don’t qualify for auto-acceptance as they would require further review.

Do I need to choose which account my check will be deposited to every time?

Yes. Whether you’re making your deposit via the online banking or mobile app, you’ll need to designate the account to which you want to make your deposit. In the eBranch, you simply select your account designation within the MyE-deposit widget. On the app, after selecting “Make Deposit” from the + menu, simply select the account to which you want the funds to be deposited.

How do I know my deposit went through?

If you’re in Tier 1, you’ll receive notification via the email address on your account whether the deposit was accepted and processed, or rejected with reasons provided. If you’re in Tiers 3-7, you’ll see whether your check was accepted or held for review on the confirmation screen once you submit. If it’s held for review, you’ll receive notification via email as described for Tier 3 above. Please note that all deposits are time-stamped Eastern Standard Time (EST).

Securely store each original check for a period of ninety (90) days after its deposit so you can provide the original check(s) to us, upon request, to verify check information and/or processing of the coordinate check image. After that period expires, you can destroy the original check. You are responsible for the secure storage of the original checks against loss during the 90-day period.

Can I access my deposited funds immediately?

This depends on your tier and the amount of the check. Please review the “Are there deposit limits?” question above for more information on immediate availability.

Monday-Friday, except federal holidays, are considered business days. Auto-accepted deposits are not restricted by business days.

  • A deposit made BEFORE 5:00 p.m. CST Monday-Friday (excluding holidays) is considered to be the first day of that deposit.
  • A deposit made AFTER 5:00 p.m. or on a day we’re not open is considered deposited on the next business day.

You’ll receive an email notification when:

  • Your deposit is accepted or rejected. Rejections will include the reason so you can adjust and resubmit your item. Auto-accepted items are confirmed immediately on-screen.
  • The hold on an item is extended more than 2 business days. The notification will include when the funds will become available, usually no longer than 10 business days.

All checks subject to holds/extension of holds at Vantage Credit Union’s discretion.

Do I need to keep the physical check?

Yes! After your deposit has been accepted using remote deposit, you’ll need to keep it for 90 days. After that time, you may destroy the check.

What equipment do I need to use remote deposit?

Mobile Device: A working rear camera on a mobile device that is supported by the credit union is required to use remote deposit services. Device recommendations can be found here..

Scanner: Remote deposit works best with a scanner DPI setting of 200. You may need to Preview and crop the check images first.

  1. During Preview, if the cropping rectangle doesn’t automatically mark the borders of the check, you’ll need to do that by clicking and dragging your mouse. If you skip this step, your scanner may scan an area bigger or smaller than the check and it may not be an acceptable image for deposit.
  2. It may be helpful to mark the corners of the check with dash marks in bold ink. This will assist the scanner in picking up the outline of the check.

You can find help with trouble-shooting scanner issues once in remote deposit.

Remote deposit supports multiple operating systems and browsers, as well as both Java and ActiveX controls. Here’s a list of browser recommendations.

If you’re using Google Chrome and getting an error message regarding Active X, Twain, try switching to Internet Explorer and then install Twain. Things should work fine once that’s done. Or better still, download our mobile app and access remote deposit there!

But if you do choose to access the service via the eBranch, here are some tips:

ActiveX and Java: Java versions prior to 1.5.0_08 have some known bugs that may prevent the upload of check images. If you receive a file upload error using a Java version prior to 1.5.0_08, click on the Help screen once in remote deposit.

ActiveX: If the browser hangs with an hourglass, this is caused by security software on your network. The Java version of remote deposit properly uses your browser’s configuration. Refresh this web page and follow the Use Java Version link.

Java: If you receive an Upload Error message, please check your Java version by clicking on the coffee cup icon. Java versions prior to 1.5.0_08 have some known bugs that may prevent the upload from working. Upgrade your Java at

If either of these conditions exists, you’ll need to close remote deposit and re-scan your deposit using the Java version (with up-to-date Java Virtual Machine software).

I’m getting an error but I can’t find where the error is.

Remote deposit automatically troubleshoots errors for you, so look for any areas on the page highlighted in yellow when using the service via eBranch. The error will be highlighted for you to identify.

What do I do if remote deposit is telling me my image is too light or too dark?

Look for the advanced setting on your scanner screen to increase the brightness, contrast, shadows, etc. Please note that you may need to do this every time you scan a check.

Where should I place the check on the scanner?

The scanner should indicate where you should place your check. If the check isn’t placed correctly according to the scanner being used, such as by being placed in the middle or at the bottom of the scanner, it won’t scan a good copy and your deposit may be rejected.

Also, please don’t use the copy/cut/paste option or the cropping option, as opposed to actually scanning your check correctly. Finally, some printers will not scan if there’s no ink in the printer, as the scanner function is disabled by default if it’s out of ink.

I have other questions not answered here. Whom do I contact for additional help?

There are numerous screens to assist you once you access the service via the eBranch. If you still need additional help, let us know by completing the Contact Me request below.

Contact me