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Tap, Snap, Deposit.

Remote Deposit is another way we’re making it easy to bank on-the-go. Simply sign up and start depositing your checks.

What's the first step? First, download our mobile app from the Apple App Store or Google Play.  It's called Illinois Community CU. 

Once you've downloaded our mobile app, you can then sign up for Remote Deposit. 

Here are some important FAQ’s to note:

Q.  How should I endorse my check?
When endorsing the back of the check, all payees should sign their name.  Under the signature, you must include the wording:  For ICCU mobile deposit only – or – RDC deposit only. Failure to endorse the check properly will result in rejection.

Q.  What types of checks can I deposit?
You can deposit personal, business, and payroll checks made payable to you.  We are unable to accept US Treasury checks, government checks, third-party checks, foreign checks, checks in a denomination other that US dollars, substitute checks, traveler’s checks, checks drawn on your ICCU account, and checks older than 6 months.  Please visit your local branch for these types of checks.

Q.  Is there a limit to how many checks or the amount that I can deposit?
The maximum dollar amount in one business day is $7000.00 with a single check limit of $4000.00. The maximum dollar limit that may be deposited in any 30-day cycle is $25,000.00. The number of checks in one business day is limited to five (5).

Q.  How quickly are my funds available?
Funds will appear in your account after your deposit has been approved.  If there are no issues with your check, this will usually happen the same business day. However, funds will NOT be available until 2 business days from the date you submit your deposit. Deposit images submitted after 4:00 pm on Friday will not appear in your account until the next business day - Monday (or Tuesday if Monday is a federal holiday).

Q.  How long should I keep the original check?
Once you have confirmed that your check image has been accepted and has posted successfully to your account, keep the original check in a safe and secure place for a period of 7 days.  After that time, you must destroy the original check.

Q. Do I have to have a physical check to deposit to my account?
Yes – the physical check must be in your possession and endorsed by all payees before you can submit the check for deposit.

Q. Can I deposit a check made payable to someone else into my account?
No – this is considered a third-party check and cannot be deposited through our remote deposit system. The check payee must be the account holder or the joint account holder.

Transmission Limits
You understand and agree that the Credit Union may, from time-to-time and at its sole discretion, establish limits on the amount and/or number of Images that you may transmit via the Service.  Any transmission you attempt to make which would exceed these limits may be rejected by us.  Notwithstanding the foregoing, if we permit you to transmit one or more Images in excess of these limits, your use of the Service will nonetheless be subject to all other terms of this Agreement, and we will be under no obligation to permit you to exceed these limits at any time in the future.  Currently, the maximum dollar amount of any Image that may be transmitted is $4000.00, the maximum dollar amount of all Images that may be transmitted in any one business day is $7,000.00, and the maximum dollar amount of Images that may be transmitted in any rolling 30 day period is $25,000.  The current maximum number of Images that may be deposited during any one business day is five (5). We reserve the right to change these limits at any time without prior notice to you.

Processing Deadlines
Any Image transmitted to the Service by 3:30 p.m. Central time on a business day (as defined herein) will be considered for acceptance that business day; an Image transmitted after 3:30 p.m. Central time will be considered for acceptance on the next business day. We will make our determination concerning whether or not to accept the Image for deposit by 4:00 p.m. Central time, and you will be notified in the Service at the time we make our decision. Accepted Images will be credited to the Account by 10:00 a.m. Central time on the following business day.

Funds Availability
You understand and agree that deposits of Images via transmission to the Service may not be available for immediate withdrawal, and we may withhold the availability of funds from the deposited Image for up to four business days. Any hold placed on a deposit transmitted via the service will be done so in accordance with our Funds Availability Policy Disclosure. You understand and agree that, solely for the determination of any applicable hold, an Image will be deemed a “check” as that term is used in our Funds Availability Policy Disclosure.

Storage and Destruction of Original Checks
Upon receipt of confirmation that we have accepted an Image of an original Check, you understand and agree that you will retain possession of the original Check until check has been processed and posted successfully. After this, keep the check for a period of 7 calendar days, during which time you will ensure the safety and integrity of the original Check. You understand and agree that, at the expiration of this 7 calendar day period, you MUST destroy the original Check via a commercially acceptable means of destruction, including shredding (preferably via a cross-cut shredder), burning or pulverizing the original Check, after which the Image will be the only evidence of the original Check.

If you have any other questions, please contact the accounting department at (815) 895-4541.

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