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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. For added security, you must create a separate user name and password for the Remote Deposit feature.

Here are some important FAQ’s to note:

Q. Can I use my online/mobile banking user name and password to use Remote Deposit? For added security, you must create a separate user name and password to use mobile check deposit.

Q.  Do I need to endorse the check in a particular way?  When endorsing the back of the check, sign your name at the top of the check and write “For RDC Deposit Only” below your signature.  If you don’t endorse the check in this manner it may delay the processing of your deposit.

Q.  What types of checks can I deposit?  You can deposit personal, business, and payroll checks. We also accept cashier's checks and money orders.  We are unable to accept third-party checks, foreign checks, substitute checks, traveler’s checks, and checks older than 6 months. Please visit your local branch for these types of deposits.

Q. How quickly are my funds available? Funds will appear in your account after your deposit has been approved. This is usually within 24 hours (similar to an in-person check deposit) provided there are no issues with the deposit. You should be notified by email if there are any issues with your check deposit.  While the deposit will appear in your balances, funds may not be available for up to 4 business days from the date you submit your deposit.

Q. Is there a limit to how many checks and/or the amount I can deposit?  Yes, there are limits.  Currently, the maximum dollar amount of a single check you can deposit is $2,000.00, and the maximum dollar amount of all checks that can be deposited in any one business day is $5,000.00.  The maximum number of checks that may be deposited during any one business day is five (5).  Please review the “Important Things to Note” section for additional information.

Q. I'm seeing a password validation error. What are the requirements for the password?
Your password must follow these requirements: 1) 8-40 characters; 2) One uppercase letter; 3) One number; 4) One special character.

Important Things To Note

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 $2000.00, the maximum dollar amount of all Images that may be transmitted in any one business day is $5,000.00, and the maximum dollar amount of Images that may be transmitted in any rolling 30 day period is $15,000.  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 for a period of 30 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 30 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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