4. In general, deposits up to $5,000 per day will be available within one business day. 2.5 Image and MICR Quality. Checks dated more than six (6) months prior to the date of deposit or deemed VOID on the date of deposit. Deposits received after 4pm CST are made available the next business day. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Fortunately for financial institutions, the Federal Reserve decided to amend their out-of-date rules to address mobile deposits, also know as remote deposited checks. Key Benefits: Opportunity to earn dividends on debit card purchases Free Bill Payer ($6 monthly savings) Ten (10) Free nationwide ATM withdrawals per year ($5 maximum per ATM refund) Deposits made through Mobile Deposit must be received by us no later than 3:00 PM ET on any business day to be considered deposited on that day. Deposit Check - Deposit securely from your smart phone, saving a trip to the ATM or branch. It is also the 251 st largest credit union in the nation. If the Credit Union fails to perform under this Agreement in accordance with the standards set herein, the Credit Union's liability for damages, losses and other compensation owing to member shall be limited to the total fees paid by you to the Credit Union for the Credit Union's failure to perform, resulting in such liability in the two (2) month period preceding the date the claim accrued. Mobile deposit is a way to deposit checks into your account from anywhere using the Numerica app and the camera on your phone or tablet. Our area is being targeted by fraudulent text messages claiming to be from local banks and credit unions. Depositary Bank B does not have an indemnity claim against Depositary Bank A because Depositary Bank B did not receive the original check for deposit. Telephone you at 317-558-6299 or 1-800-382-5414 or e-mail you at [email protected]. Paying Bank, in turn, pays the check. General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky. The image is processed the same way as making a deposit at a branch or at an ATM. The fastest way to deposit checks into your GECU account? Now you can deposit checks into your accounts at any time from any place. The Credit Union shall not be liable or have any responsibility of any kind for any loss or damage thereby incurred or suffered by you in the event of any failure or interruption of such services or any part, thereof, resulting from the act or omission of any third party, or from any other cause not reasonably within the control of the Credit Union including but not limited to Internet service interruption, war, epidemic, strike or work stoppages, electric power disruption or shortage, telecommunications failure or computer failure. With the DuPont Community Credit Union Mobile App, you can: Check balances. For Additional Assistance: Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to [email protected] . You understand and agree that you may also incur and pay any and all expenses related to the use of Mobile Deposit, including but not limited to telephone service or Internet service charges. Items received via Mobile Deposit will be subject to holds at the discretion of the Credit Union, but will generally be available as follows: a) Mobile Deposits to business Accounts will be available on the Business Day of your deposit. ), we offer FREE Printed Checks and Cashiers Checks. 6.1 DIRECT DAMAGES. Checks that have already been deposited or that are in the process of being deposited, nor will you attempt to redeposit or negotiate those checks with any other party. Learn more about Mobile Deposit here! Visit your app store, search forGeneral Electric Credit Union, and look for our logo to download our app. f) The information identifying the drawer and the paying financial institution that is preprinted on the Item, including the MICR line containing the ABA routing and transit number, the number of the account on which the Item is drawn, when encoded, the amount of the Item, and when encoded, the serial number and process control field of the Item; and 2.6 Receipt of Mobile Deposit Checks. 2.4 Check Retention & Destruction. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). Checks containing any alteration of which you know or believe to be fraudulent or not authorized by the owner of the account on which the check is drawn. What are some tips for using mobile deposit? What are the deposit limits? The Credit Union's security interest in your Accounts will continue until the expiration of any time period for return of any Item on which you may be liable. You grant us a security interest in all funds now or in the future held by the Credit Union in your Account(s) to secure your obligations under this Agreement. The Credit Union's processing agent shall perform an image quality assessment of scanned Checks or Items and shall convert Items meeting the Credit Union's required standards into substitute checks to facilitate the deposit and collection of such Items. What is Mobile Deposit? On February 26, 1954, the Chattanooga DuPont Nylon Employees Credit Union was organized and chartered. Destroying the check prevents it from being presented for deposit at another time. You are, and shall remain, solely and exclusively responsible for any and all financial risks, including, without limitation, insufficient funds, associated with accessing the service. Address:105 Community Way Use your Credit Union ONE mobile banking app and select Deposit Check from the menu. Rates. Apply for a Loan - Quick and easy, you'll save time the next time you apply for a loan. Deposit up to $5,000 per day. Acknowledgment of receipt or delivery does not constitute an acknowledgment by the Credit Union that the transmission of a Check or Items does not contain errors. Deposit a check anytime, anywhere. c) Mobile Deposits of less than $500 to consumer Accounts will be available on the Business Day of your deposit. Depositary Bank B may be unable to charge back funds from its customers account. The Credit Union will also be excused from failing to transmit or delay in transmitting an Item if such transmittal would result in it exceeding any limitation imposed on it by any governmental or regulatory body. Mobile Check Deposit - Delta Community Credit Union Open an Account Locations & ATMs Contact Us Login Search for: Open an Account Locations & ATMs Contact Us Home About UsAbout Delta CommunityCareersCompany CultureEvents & SeminarsHoliday Closings NewsroomDelta Community NewsroomIn the NewsNews ReleasesPublicationsSpeakers Bureau PersonalBanking 6.4 Limitation. Ways to find the 251483311 routing number online Here are several ways available to you to find your ABA routing number: Other agreements you In the event that the funds in your Account are insufficient, there may also be a fee assessed (refer to the current Fee Schedule which is incorporated here for reference). Staunton, VA 24401, 138 Parkersburg Turnpike Wire Transfer Fees Any check that has already been deposited via Mobile deposit. Checks that otherwise violate this Agreement. Mobile deposits received prior to 2:00 PM on a given business day will generally be posted to the Account no later than the end of the same business day. Step 2: Select "Mobile Deposit" in Web Branch or our Mobile App. In no event will the Credit Union be liable for any indirect, consequential, punitive or special damages. The Credit Union shall exercise due care in seeking both to preserve the confidentiality of the user number, password, test key or other code or identifier and to prevent the use of the service by unauthorized persons (and in this connection it is understood and agreed that implementation by the Credit Union of its normal procedures for maintaining the confidentiality of information relating to its members, and where practicable the obtaining by the Credit Union from any third parties engaged in the installation, maintenance and operation of the system of similar undertakings, shall constitute fulfillment of its obligation so to exercise due care) but shall not otherwise be under any liability or have any responsibility of any kind for any loss incurred or damage suffered by you by reason or in consequence of any unauthorized person gaining access to or otherwise making use of the Mobile Deposit service. This Mobile Deposit Service Agreement ("Agreement") contains the terms and conditions for using Credit Union 1's Mobile Deposit Service ("Service"), which may be accessed as a part of Credit Union 1's Mobile . Yes. In the past, liability (or the indemnity) for a check that was deposited twice - once by mobile deposit and once by depositing the paper check - would fall on the bank that accepted the mobile deposit. THE CREDIT UNION IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS IN OR TO ANY INFORMATION RESULTING FROM YOUR USE OF THE SERVICE. These include: You should retain the check in a secure location for no less than 45 days and then, after confirming the deposited funds have been applied to your account correctly, destroy the check. Before you are able to deposit your check through our mobile banking app, you will be shown a disclosure. Step 1: Sign into your mobile app. You agree that the manner in which Items (e.g., substitute check, image exchange, ACH) are cleared or presented for payment shall be determined by Credit Union, at its sole discretion. Pay Bills - Conveniently pay your bills when you want or schedule future payments. When you destroy, and dispose of, the original Checks pursuant to the requirements of this Agreement, you understand and agree that you must use a high degree of care when selecting and implementing destruction and disposal procedures. You understand that Mobile Deposit service availability is at all times conditioned upon the corresponding operation and availability of those computer services and systems used in communicating your instructions and requests to the Credit Union and the Credit Union's response. Login Forgot your username or password?. You agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, or disassemble the technology of Mobile Deposit Software or Documentation. 8. Helping to improve the financial health of our members through quality products and competitive rates, Providing a variety of banking solutions that fit your needs at every stage of life, We love to help our members find the best banking solutions for their needs, Businesses are the backbone of our community and we offer the lending and banking products that your business needs, We give back to our members and our community in meaningful ways, every day. The Credit Union will not be liable if you fail to report in a timely manner in accordance with this Agreement any error or discrepancy reflected in an account statement prepared by the Credit Union, or if you fail to report a breach of a security procedure. 6. Among other things, these procedures must be designed to ensure that the original Checks are not accessed by unauthorized persons during the destruction and disposal process and, once destroyed, the original Checks are no longer readable or capable of being reconstructed (i.e., through the use of competent copying equipment). Keep the endorsed check for 30 days following verification that the check appears as "Accepted" in your Mobile Deposit Check History. You must confirm any oral report of an error by sending us a written description within 14 calendar days of reporting the error providing us with sufficient information to identify your Account, the date and amount of the error, a description of the error including any payment information (payee, drawer) and current information on how and when to contact you. DuPont is using science and innovation to make the world a safer, healthier, and better place to live. Make sure that the entire check image is visible and in focus before submitting your deposit. Checks with any endorsement on the back other than that specified in this Agreement. Mobile Deposit Use your iPhone, iPad, Android or other internet-enabled device that has a camera to take a picture of the front and back of your check and make a deposit anytime, anywhere. Step 6: Tap the green camera icon. 2022 Compliance Cohort LLC. Plus, with mobile deposit, we're able to provide you with a greater availability of funds than our ATM machines can. The DuPont Community Credit Union Mobile App provides secure, convenient, around-the-clock access to your account information. During the period that you maintain the original Checks, you understand and agree that you must use a high degree of care to protect these original Checks against security risks. 2.7 Presentment Prohibitions. Checks that have previously submitted through Mobile deposit or through a remote deposit service offered at any other financial institution. Mobile Banking. In other words, the RDC bank cannot be held liable for duplicate checks if they required the depositor to endorse the check in a way that would prevent duplicate check. Once logged in to the Mobile Banking app, clickCheck DepositthenHistory. The same customer who sent Depositary Bank A the electronic image of the check then deposits the original check in Depositary Bank B. Have Questions or Need Help? This article is brought to you by Austin Vaive, Information Security Manager. Any checks that are not in original form with a signature, such as substitute checks or remotely created checks (as defined by Federal Reserve Board Regulation CC (Reg. You agree that we may place an exception hold of up to 14 calendar days in the event you terminate this Agreement to permit the Credit Union to satisfy any chargeback or return obligations arising out of or related to the use of Mobile Deposit by you. By using the Mobile Deposit service or clicking the electronic signature "acceptance" below, you and any joint owners or authorized users of your Account, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments. You represent and warrant: 1. Members get even more free videos, articles, and other resources on all topics of regulatory compliance. This Mobile Deposit Services Agreement ("Agreement") is the contract which covers your and our rights and responsibilities concerning the Mobile Deposit services ("Mobile Deposit") offered by Delta Community Credit Union ("Credit Union"). Apple & Android Pay. Alliance Credit Union's Mobile Deposit services ("Services") are designed to allow you to make certain deposits electronically by using a capture device to create an electronic image of a paper check payable in U.S. 5. You agree that the image of the Check that is transmitted to the Credit Union shall be deemed an "Item" as that term is used in the Uniform Commercial Code (1990 Official Text). In the event that you, or any third party, presents, or attempts to present, a deposit in violation of this Subsection you agree to defend, indemnify, and hold the Credit Union and it's agents harmless from and against all liability, damage and loss arising out of or related to any claims, suits, or demands brought by third parties with respect to any such substitute check or original Check. Specifically, part 229.34(f)(3) of Regulation CC states the following: (3) A depositary bank may not make an indemnity claim under paragraph (f)(2) of this section if the original check it accepted for deposit bore a restrictive indorsement inconsistent with the means of deposit. Visit one of our conveniently located ATMs in Southwest Ohio, Northern Kentucky and Southwest Indiana or our branches in Florence, KY, Highland Heights, KY, Cincinnati, OH, Fairfield, OH, Loveland, OH and Mason, OH today. DCCU does not contribute to the content displayed on this website and does not represent you or the third party in transactions conducted via external links. Generally, all funds from items deposited through the Mobile deposit feature will be placed on a two-business day hold. Each Mobile Deposit Check shall also meet the requirements for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve System or any other regulatory agency or clearing house or association. Agent | Closed Until 09:00 We suggest that you always verify information obtained from linked websites before you act upon such information. In addition, make sure the amount you enter matches the amount on the check, remember to sign the back of the check, and endorse. Although we have reviewed the website prior to creating the link, we are not responsible for the content of the sites. YOU HEREBY ASSUME ALL RISKS RELATING TO THE FOREGOING. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. Checks on which a stop payment order has been issued or for which there are insufficient funds. Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. You are responsible for auditing and balancing of all transactions in your Settlement Account. Next, enter the check amount, choose the account you want to deposit into, snap some pictures, and confirm the deposit. The Credit Union reasonably believes that an Item is prohibited by federal law or regulation, or otherwise so provided in the Agreement. 1.2 Checks Deposited and Security Interest. Click the "Deposit" button. The application for use of Mobile Deposit, our notification of approval of your application, and the TLC Community Credit Union Account Disclosures and Other Information are hereby incorporated into and made a part of these Terms and Conditions. Guidelines for Using Mobile Deposit: Allow two (2) business days beginning with the date of deposit for funds to become available. If the total dollar value of the Mobile Deposit Checks sent to the Credit Union exceeds the Mobile Deposit limit, the Credit Union may, at its option, refuse to accept the Mobile Deposit Checks in excess of the Mobile Deposit Limit. Phishing Scams. Endorse the back of the check 'MOBILE DEPOSIT ONLY - UNIVERSITY CU'. Enjoy our free, downloadable eBookThe Ultimate Beginner's Guide to Credit Scores. If this policy changes, we will provide notice 30 days in advance. 6.3 Credit Union's Performance. 3.3 Exception Items. Tap "Deposit a Check" again to see your deposit history. The Credit Union may, at its option, change the Procedures which are effective immediately upon sending notice to you unless otherwise indicated. 5. We are glad you have found us and look forward to collaborating in the future. When the Credit Union reviews and processes your Mobile Deposit Checks, as noted above, the Credit Union may reject any Mobile Deposit Check or Item that the Credit Union, in its sole discretion, determines to be ineligible for the service ("Exception Item") including, without limitation, electronic images of Items drawn on financial institutions located outside the United States, Items drawn on U.S. financial institutions in foreign currency, electronic images that are illegible (due to poor image quality or otherwise), electronic images of Items previously processed, electronic images previously converted to substitute checks, and electronic images with unreadable MICR information. Subject to the terms, provisions and conditions of this Agreement, the Credit Union will provide Mobile Deposit to you. That's it. You understand that you must at your sole cost and expense, obtain and use computer hardware and software that meets all technical requirements for the proper delivery of Mobile Deposit and fulfills your obligation to obtain and maintain secure access to the Internet. All right, title and interest in and to (a) any and all computer programs, including but not limited to source and object codes, and any and all updates, upgrades, fixes and enhancements to the Mobile Deposit services software (collectively "Software") and (b) any and all Help Information, instructions and documentation (collectively "Documentation") shall be and will remain the property of the Credit Union and/or third party vendor, as applicable. Select "Deposit" from the bottom of the screen in the app menu. You agree that the aggregate amount of any Items which are deposited more than once will be debited from your Account, and to the extent funds in your Account are insufficient to cover such amount, any balance shall be debited by Credit Union from any other deposit accounts with Credit Union in its sole discretion. You agree that the scanning and transmitting of Checks does not constitute receipt by the Credit Union. Hold on to the original . Receive on-screen confirmation that your item was successfully deposited. You must properly install and use all Software and Hardware required by this Agreement for Mobile Deposit services. After regular business hours, please call 800-472-3272 to receive assistance. 2.9 Financial Responsibility. The Credit Union shall not be liable in any manner for such risk unless the Credit Union fails to follow the Procedures described in materials for use of the Mobile Deposit service. Welcome to our Community Way office, located at 105 Community Way in Staunton, where weve been serving members since June, 2000. Using Shine Mobile Banking, simply endorse your check with your signature and "For Mobile Deposit at Dupaco", then take a photo of the front and back. That all signatures on each Check are authentic and authorized; The Mobile Deposit limit for your Account will be established and disclosed to you when you register for the service. For years now, mobile deposits have carried some risk due to the outdated rules of Regulation CC. Members must have the new AIM Credit Union app downloaded on their smart phone. Our mobile deposits are free, safe, secure, and available 24/7 so you can take control of your finances anytime, any place. 2.4 Check Retention & Destruction. 1Online Banking/Mobile App: We provide Online Banking and our mobile app to you for free; however, mobile and internet data charges may apply. Mobile deposit is found within the GECU Mobile Banking app. For details about member eligibility, please click here. The Credit Union and its agents may, but shall have no obligation, to screen Items or substitute checks for legal compliance. GECU Voices brings you guidance and insight from experts within the Credit Union. Device must have a camera to use the mobile deposit service. APR 6.665% Fees For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc. Financial Tips and Resources. Plus, you can bank with confidence knowing your info is completely secure. It works by using the camera on your phone to capture an image of the check. To confirm your limits, call the credit union at 404-715-4725 or 800-544-3328. YOU FURTHER ACKNOWLEDGE THAT THERE ARE CERTAIN SECURITY, CORRUPTION, TRANSMISSION ERROR AND ACCESS AVAILABILITY RISKS ASSOCIATED WITH USING OPEN NETWORKS SUCH AS THE INTERNET AND/OR TELECOMMUNICATION LINES OR CIRCUITS. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on Accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Georgia law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings and any post-judgment collection actions, if applicable. Must sign the back of the check and include the words: Deposits received by 4pm CST on a business day are made available the same business day. b. The Credit Union reserves the right to select the clearing agents through which Credit Union clears Items. In general, deposits in excess of $5,000 per day will be available within four business days. Save a trip to the branch by managing your finances from your mobile device. Mobile deposit is a convenient way to deposit checks from your smart phone, saving you time and reducing trips to the branch or ATM. Depositary Bank A accepts an image of the check from its customer and sends an electronic check for collection to Paying Bank. . From time to time, we provide links to other websites for the use of our visitors, which have been compiled from internal and external sources. No more carrying around valuable checks until you have time to make it to the credit union. The Credit Union's failure to identify an Exception Item shall not preclude or limit your obligation to the Credit Union. General Electric Company is not associated or affiliated with General Electric Credit Union (GECU) nor does it endorse, sponsor, or otherwise approve of the services of GECU. You agree to pay all fees and charges for deposit services as set forth on the Disclosure Supplement (for consumer accounts) or the Limits & Fees Disclosure (for commercial accounts), as applicable. As long as you are a GECU member in good standing and have agreed to the GECU Online and Mobile Banking Agreement and other conditions as outlined in the Mobile deposit terms and conditions (available within Online and Mobile Banking), you are eligible to use Mobile deposit. You agree that if you wish to attempt to deposit any Exception Item to any of your Accounts with the Credit Union, you shall only do so by depositing the original Item on which the Exception Item is based. Tap on the account you want to deposit the funds into. You agree that Mobile Deposit services will only be used to deposit Checks drawn on financial institutions within the 50 United States (including the District of Columbia and excluding all other territories). The word Mobile Deposit means the remote deposit capture service offered by Delta Community Credit Union. To the extent applicable, the terms of other agreements with us are incorporated herein by reference. You agree to be liable to the Credit Union for any liability, loss or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your Accounts or services. You shall be provided with prompt notice of any claims and given full authority and assistance (at your expense) for the defense of any such claims; provided that the Credit Union may also participate in such defense and settlement with counsel of the Credit Union's own choosing at the Credit Union's own expense; provided further, that you shall have no authority to settle any claim against any Indemnified Party without the prior written consent of such Indemnified Party (which consent shall not be unreasonably withheld). 410 North Augusta Street Snap a photo of both the front and back of your check with the camera on your phone. Not an Online Banking user? You must be enrolled in Online Banking to take advantage of this convenient feature. Mobile Loan Deposit Mobility Credit Union Skip to Main Content English Espaol FOLLOW US | Se Habla Espaol Become a Member Pay My Loan Apply for a Loan Rates Locations GET HELP Online Banking Login Login Enroll Forgot password? The Credit Union agrees to transmit all the financial data under its control required to utilize the service selected by you and to act on appropriate instructions received from you in connection with such service. Tap 'Scan Check >' at bottom of screen. You acknowledge and agree that the Credit Union shall not be liable for any damages or loss of any kind resulting from any unintentional error or omission by the Credit Union in performing the Mobile Deposit services, in accordance with or unintentional deviation from the terms and conditions of this Agreement, including exhibits or addenda. Sign the back of your check and write, "For mobile deposit only to Georgia's Own Credit Union" beneath your signature. That you are authorized to use the Mobile Deposit service and perform your obligations under this Agreement; Whether it's through our convenient Online Banking or our top-rated Mobile App, it's never been easier to take us with you 24/7. The Credit Union will not accept third party checks through the Mobile Remote Deposit Capture Service. You may be asked to put your claim in writing. Download the app and deposit in a snap! I can't access my account You agree to defend, indemnify, and hold the Credit Union and its agents harmless from and against all liability, damage and loss arising out of any claims, suits or demands brought by third parties with respect to any such substitute checks. Automatically round up purchases from your checking to savings account with every debit card transaction. In the event of a conflict between the terms of this Agreement and any other agreement governing your Accounts, the terms of this Agreement shall control. 2.3 Deposit Requirements and Limits. One of the main elements to understand is how a mobile deposit endorsement will affect the liability of the financial institution in regards to checks that are deposited twice; once through mobile deposit and then a second time (usually at another financial institution) with the paper check. You authorize the Credit Union to deduct any such liability, loss, or expense from your Accounts without prior notice to you. LEARN MORE How to Make a Mobile Deposit The customer deposits the original check into Depositary Bank C without a restrictive indorsement. Bank online on your computer, mobile device or by the phone. DCCU offers two types of checking accounts to meet your needs. The Federal Reserve has revised Regulation CC so that financial institutions accepting deposits through mobile deposit have protection if they use a restrictive indorsement. Basically, if an endorsement on a RDC deposit is done in a way to prevent duplicate deposits, the financial institution that accepted the RDC deposit cannot have an indemnity claim filed against them from the depository bank that accepted the duplicate original (paper) check. Checks must be endorsed with a signature and the following information: "For Mobile Deposit at Florida Credit Union" and account number. With the DuPont Community Credit Union Mobile App, you can: Check balances View transaction details Make transfers Apply for loans 3.2 Service Availability. You are now leaving the General Electric Credit Union website and are being connected to a third-party website. If you haven't done so already, make sure you sign up for our free membership where you get access to many member-only videos, articles, and other resources. Checks scanned and transmitted via Mobile Deposit will be considered received by the Credit Union on the day of receipt. Checks payable jointly, unless deposited into an account in the name of all payees. Step 4: Take a photo of the front and back of your check. No envelope or deposit slip required, either! Our goal is to take complex compliance concepts and put them in simple terms that apply to the real world. You will deposit any Checks not meeting this requirement in person, using a night drop facility or by U.S. mail. Any other source is unauthorized, may compromise your device, and/or lead to fraud against your accounts. Box 26000 Winston Salem, NC 27114-6000. We'll walk you through the process and help you become a Mobile Banking and Mobile Deposit pro. For the purpose of establishing funds availability, your deposits via the Mobile Deposit session are deemed to be received by the Credit Union at the time the deposit transaction posts to the Account. You agree that you will only scan and deposit a Check as that term is defined in Federal Reserve Board Regulation CC ("Regulation CC"). IN NO EVENT SHALL THE CREDIT UNION BE LIABLE FOR SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL LOSS OR DAMAGE OF ANY KIND INCLUDING LOST PROFITS WHETHER OR NOT THE CREDIT UNION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. The Credit Union shall not be responsible for liability, loss or damage of any kind resulting from any delay in the performance of or failure to perform its responsibilities hereunder due to causes beyond the Credit Union's reasonable control. The customer withdraws the funds. For Mobile Deposit Only to InRoads Credit Union. person Or, Register with Online Banking. For purposes of determining the availability of funds, Checks deposited using the Mobile Deposit service are considered received by the Credit Union when the Mobile Deposit capture system expressly indicates that the check images were received by, or delivered to, the Credit Union. Please contact your service provider for details. Conditions. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than ours. Be sure to include the words, "For mobile deposit only at UW Credit Union" underneath your signature. That you will assist the Credit Union and its processor in providing the Mobile Deposit services and resolving any errors, disputes or other issues related to Mobile Deposit. THE CREDIT UNION'S LIABILITY SHALL BE LIMITED TO DIRECT DAMAGES SUSTAINED BY YOU AND ONLY TO THE EXTENT THAT SUCH DAMAGES ARE A DIRECT RESULT OF THE CREDIT UNION'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; PROVIDED THAT THE MAXIMUM AGGREGATE LIABILITY OF THE CREDIT UNION RESULTING FROM ANY SUCH CLAIMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU FOR THE SERVICE RESULTING IN SUCH LIABILITY IN THE SIX MONTH PERIOD PRECEDING THE DATE THE CLAIM ACCRUED. If you have any reason to believe that the security procedures, your use of Mobile Deposit or other security breaches have occurred, you will promptly notify the Credit Union at the number(s) provided: 404-715-4725 or 800-544-3328. Warranties. We suggest that you always verify information obtained from linked websites before you act upon such information. The words "we," "us," and "our" all are references to Delta Community Credit Union. The words "we," "us," and "our" refer to TLC Community Credit Union. Notwithstanding acceptance of a Mobile Deposit Check by the Credit Union, any credit to your Account(s) will be provisional, and you will remain liable to the Credit Union for any errors, inaccuracies, breach of warranties or any other loss or claim against the Credit Union arising from or related to the Mobile Deposit service. How does mobile deposit work? There is no restrictive indorsement on the check. See detailed instructions below. Secure - Feel confident knowing mobile deposit is as safe as depositing checks at one of our branches. As a member, you can conveniently access your account and other helpful banking features on the go. You agree to indemnify, defend and hold harmless the Credit Union and its directors, officers, employees and agents (the "Indemnified Parties") from and against any and all losses, costs, expenses, fees (including, but not limited to, reasonable attorney fees and disbursements), claims, damages, liabilities and causes of actions of third parties resulting or arising from: (a) your failure to abide by or perform any obligation imposed upon you under this Agreement; (b) the willful misconduct, fraud, criminal activity, intentional tort or negligence by you or any of your representatives involving use of the service; (c) you or your employees, consultants and/or agents actions, omissions or commissions, relating to the service; and (d) any transmission or instruction, whether or not authorized, acted upon by the Credit Union in good faith. A check is just a piece of paper until you get it into your credit union account. Click on "Check Deposit" from the bottom menu. You further authorize the Credit Union to charge your Account for the amount of any such demand, claim or suit that constitutes a breach of warranty claim under the provisions of the Uniform Commercial Code. To confirm your limits, call the credit union at 404-715-4725 or 800-544-3328. Is depositing my check with a mobile device safe? The endorsement signature on the back is missing. Funds may be held for longer periods at our discretion. Notwithstanding the foregoing, the Credit Union may immediately suspend or terminate your access to the Mobile Deposit service in the event that the Credit Union reasonably determines such suspension or termination is necessary in order to protect the Mobile Deposit service or the Credit Union from harm or compromise of integrity, security, reputation or operation. Be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of General Electric Credit Union's website. You must scan the front and back of each Item using the Mobile Deposit software to capture the image and MICR encoding on, and other required data from, each Check. Address Address: 105 Community Way Staunton, VA 24401 Get Driving Directions Hours Monday - Thursday 9:00 am - 5:30 pm Friday 9:00 am - 6:00 pm Saturday (Drive up only) 9:00 am - Noon Contact Us Phone: 540.946.3200 Fax: 540.908.4580 Services Drive Up ATM Night Depository Safe Deposit Boxes Notary Service Our Nearby Locations Member Center Location Select Menu, then select Transactions, then select Mobile Deposit. Whether you're traveling the world or on staycation, rest assured that mobile check deposit is available right on your mobile device and tablet. The Credit Union shall not be liable for any loss, damage, liability or claim arising directly or indirectly from any error, delay or failure to perform hereunder which is caused by earthquakes, fires, natural disasters, civil or foreign disturbances, power outages, acts of government, labor disputes, failures in either communication or computer networks, legal constraints or any other event beyond its control. GECU does not charge a fee to use Mobile deposit. The facts are the same as above with respect to Depositary Bank A and B; however, the original check deposited in Depositary Bank B bears a restrictive indorsement for mobile deposit at Depositary Bank A only and the customers account number at Depositary Bank A. Paying Bank returns the check to Depositary Bank B indicating that the check already had been paid. Eligibility for mobile remote deposit is subject to Credit Union approval. Save a trip to the branch by managing your finances from your mobile device. Keep your phone flat and steady above the check when taking your photos. These risks include, without limitation, (i) theft or reproduction of the original Checks (including by your employees) for purposes of presentment for deposit of these original Checks (i.e., after the original Checks have already been presented for deposit via the Mobile Deposit capture service) and (ii) unauthorized use of information derived from the original Checks. 2022 General Electric Credit Union 2.2 Responsibility for Scanning. We identified these four features as the most requested services among our members. (e.g., properly payable, all endorsements present, meets image quality requirements, etc.). 2. Checks not payable in United States currency. That you will comply with all federal and state laws, and rules and regulations applicable to Online transactions, including those related to use for a criminal purpose and the National Automated Clearing House Association and regional clearing houses, the Board of Governors of the Federal Reserve System, Electronic Check Clearing House Organization (ECCHO) or any other organization to which the Credit Union belongs; WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE CREDIT UNION DISCLAIMS ANY WARRANTIES REGARDING THE OPERATION, PERFORMANCE OR FUNCTIONALITY OF THE SERVICE (INCLUDING, WITHOUT LIMITATION, THAT THE SERVICE WILL OPERATE WITHOUT INTERRUPTION OR BE ERROR FREE). Instead of making an extra stop at your GECU branch, make quick and secure deposits with our top-rated mobile app. View transaction details. Staunton, VA 24401, Privacy Policy | Suspension of Services Policy | Security & Fraud Alerts | Disclosures | Switch to DCCU. You agree that you will not use Mobile Deposit to deposit a Check or any other Items that: (a) are payable to any person or entity other than an owner of the Account to which the Item is to be deposited; (b) are drawn, or otherwise issued by you or any person or entity affiliated with you including another owner or joint account holder; (c) are prohibited by the Credit Union's then current procedures ("Procedures") governing the use of Mobile Deposit service or your Account or are in violation of any law, rule or regulation; (d) you know or suspect, or should know or suspect, is a forged or fraudulent Item or not otherwise authorized by the owner of the account on which the Item is drawn; (e) has been previously deposited whether as an original Item, substitute check or image replacement document, without the Credit Union's express written consent; (f) are drawn on financial institutions located outside the United States (including the District of Columbia); (g) is a Remotely Created Check as that term is defined in Regulation CC, or (h) which are not acceptable to the Credit Union for deposit into an account at the Credit Union under its then current rules (collectively "Prohibited Check"). In the event that the Services are unavailable, you acknowledge that you can deposit an original check at the Credit Union's branches or through the Credit Union's ATMs or by mailing the original check to the Credit Union at P.O. See our legal notice for more information. That no Check has been previously presented unless authorized in advance by the Credit Union; You further acknowledge that you and not the Credit Union are responsible for the processing and handling of any original Items which are imaged and deposited utilizing the service, and that you assume all liability to the drawer of any Item imaged using the service or liability arising from the Credit Union's printing of any substitute check from those images. Step 4: Enter the amount on your check. You'll deposit your check through this app. The Credit Union is not obligated to but may in its sole discretion notify you of any Exception Items. Since 1959 DuPont Community Credit Union has worked to meet the needs of its owners in providing a safe and sound financial alternative. You assume exclusive responsibility for the consequences of any instructions you may give to the Credit Union, for your failure to access the service properly in a manner prescribed by the Credit Union, and for your failure to supply accurate input information, including, without limitation, any information contained in an application. DuPont Community Credit Union 2201 N Augusta St, Staunton, VA DCCU Branch - Terry Court Office Not Yet Rated About More Edit listing Services Address: 2201 N Augusta St Staunton, VA 24401 Large Map & Directions Phone: (540) 946-3200 Website: https://www.mydccu.com Lobby Hours Drive Up Hours Partnership with Coinbase The amount, the payee, signature (s) and endorsement (s) on the original check are legible, genuine and accurate. Make transfers. Hold the camera as square to the check as possible, to reduce corner-to-corner skew. To activate your new or reissued card or to change your PIN call 800-992-3808. THE CREDIT UNION MAKES NO AND EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SERVICE INCLUDING THE WARRANTY OF TITLE AND THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. Dupont Community - DCCU Branch - Reservoir Office 1925 Reservoir St Harrisonburg, VA, 22801 Phone Number: 540-946-3213 . : Research Advisors, P.O. Mergers and expansions have allowed us to serve a larger group of people better than ever before. The following examples are taken right out of the commentary to Regulation CC. You will receive an email notification any time a check cannot be deposited using Mobile Deposit. Contact Us; Locations; Disclosures; Privacy Policy The check will pass through certain checkpoints for validation and, if accepted, will be credited to your checking or primary savings account. You will verify and reconcile any out-of-balance condition, and promptly notify the Credit Union of any errors within the time periods established in the Help File (exclusive of weekends and applicable holidays) after receipt of the applicable Account statement from the Credit Union. You shall not present, or attempt to present, or allow others, either directly or indirectly, to present, or attempt to present, for deposit by any means (i) any substitute check that has already been presented for deposit using a mobile deposit check capture service, including through our Mobile Deposit service, or (ii) any original Check, the substitute check of which has already been presented for deposit to any account. You may always negotiate the Mobile Deposit in person or through other means. Mobile Check Deposit With the Infuze Credit Union Mobile Banking App, you can use your iPhone or Android device to snap a picture of both sides of your check, and submit it for deposit! Tap the menu button (three straight lines) and tap "Deposit a Check.". You assume full responsibility for the consequences of any misuse or unauthorized use of or access to the service or disclosure of any confidential information or your instructions by your employees, agents or other third parties. Either party may terminate this Agreement upon not less than ten (10) days prior written notice to the other party. In order to be approved for service you must meet the following requirements: Must have an open share account; Must be an online/mobile banking user; Account must be open for at least 60 days; Account must be in "good standing" (i.e. You may report such errors by calling: 404-715-4725 or 800-544-3328 or by writing to us at: Delta Community Credit Union, attn. Checks payable to any person or entity other than you. We are not attorneys and the information on this site should not be taken as legal advice - they are opinions of the author only. | All Rights Reserved. Limitation of Liability. Roubaix, Hauts De France, 59100. A publication of DuPont Community Credit Union. Videos. You can safely deposit checks as soon as you receive them. Ensure all payees have endorsed the check(s), and also include the wordsFor GECU Mobile Deposit Onlyon the back of the check(s). Follow the on-screen prompts. Delta Community Credit Union "Business Days" for purposes of this Agreement are determined to be Monday Friday (excluding Federal Reserve Holidays). The Credit Union advises you to regularly scan your computer using reliable virus detection products and maintain system firewalls to detect and remove computer viruses. Dupont Community Credit Union is headquartered in Waynesboro and is the 10 th largest credit union in the state of Virginia. In the past, liability (or the indemnity) for a check that was deposited twice - once by mobile deposit and once by depositing the paper check - would fall on the bank that accepted the mobile deposit. The Credit Union may: (a) amend the Procedures from time to time and you agree the Credit Union may provide a copy of the new Procedures in writing or electronically to you; you agree at all times to observe the requirements of the security procedure(s) and to keep them confidential. Depositary Bank B sends the original check (or a substitute check or electronic check) for collection and makes funds from the deposited check available to its customer. Enroll Now Mobile Check deposits will be reviewed and posted on Delta Community Credit Union business days only. In Siren at (715) 349-7499. Open the DFCU Mobile app. In Grantsburg at (715) 463-3456. Step 5: Verify the check details . Please be aware that information security and privacy policies may differ from those implemented by DCCU. 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