My check was written more than six months ago. Member Discounts. Be sure to include the words, "For mobile deposit only at UW Credit Union" underneath your signature. Checks scanned and transmitted via Mobile Deposit will be considered received by the Credit Union on the day of receipt. 2.5 Image and MICR Quality. 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. a. Your check images are not stored directly on your phone, for your security and protection. Hudson Valley Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with W3C . That simple sentence will help ensure your checks get deposited. To the extent applicable, the terms of other agreements with us are incorporated herein by reference. It is further suggested that appropriate security procedures include limiting access to the Checks to authorized persons and preventing copying of additional scanning of Items presented using Mobile Deposit. The words "we," "us," and "our" all are references to Delta Community Credit Union. We suggest that you always verify information obtained from linked websites before you act upon such information. Roubaix (French: or ; Dutch: Robaais; West Flemish: Roboais) is a city in northern France, located in the Lille metropolitan area on the Belgian border. Before you are able to deposit your check through our mobile banking app, you will be shown a disclosure. The Credit Union receives actual notice or has reason to believe that you have filed or commenced a petition or proceeding for relief under any bankruptcy or similar law; Deposits we receive after that time, or on a weekend or Federal holiday, will be considered deposited on the next business day. 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. Keep your phone flat and steady above the check when taking your photos. 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. Mobile Deposit services are offered for the purpose of converting original Checks to substitute checks, as such term is defined in the Check Clearing for the 21st Century Act and Federal Reserve Board Regulation CC ("Check 21"), for deposit with Delta Community Credit Union and for processing and presentment to a collecting or paying financial institution. Complete the Mobile Deposit Enrollment by accepting the terms of use. Please contact your service provider for details. In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family. Review your pictures and retake them if necessary, then select Submit Deposit. 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. 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. Mobile deposit is a convenient way to deposit checks from your smart phone, saving you time and reducing trips to the branch or ATM. However, we may apply additional delays on the availability of funds based on any other factors as determined by us, in our sole discretion. Based on comments received, the Board has added an exception to the indemnity that would prevent an indemnified bank from making an indemnity claim if it accepted an original check containing a restrictive indorsement that is inconsistent with the means of deposit, such as for mobile deposit only., While the rules dont provide exact language that should be used for a restrictive endorsement, the commentary uses the examples of for mobile deposit only and for mobile deposit at Depository Bank A only.. 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. GECU is not liable for any costs you may incur from cellular data networks or other related equipment that may result from usage of Mobile deposit. Visit the DuPont Community CU MasterCard Credit Card website. Step 1: Sign into your mobile app. 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. 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. Save a trip to the branch by managing your finances from your mobile device. 6.4 Limitation. You are about to open a webpage that is not controlled or owned by DCCU. 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. 6. 2.1 Member Account. The words "we," "us," and "our" refer to TLC Community Credit Union. Depositary Bank B may make an indemnity claim against Depositary Bank A for the amount of the funds Depositary Bank B is unable to recover from its customer. 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. Hold the camera as square to the check as possible, to reduce corner-to-corner skew. Deposit history is available for 180 days. The Credit Union reserves the right to modify the Mobile Deposit services from time to time without making prior notice to you, provided, however, that the Credit Union will give you at least thirty (30) days notice prior to making any modifications to the Mobile Deposit services that would materially alter their functionality. 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. Our Funds Availability Policy, as well as the funds availability requirements of Reg. 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. Flatten folded or crumpled checks before taking your photos. 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. The customer deposits the original check into Depositary Bank C without a restrictive indorsement. 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. Tap on the account you want to deposit the funds into. Click the "Deposit" button. If your ATM/Debit card is lost or stolen, contact us immediately: In Cameron at (715) 458-2513. 2. Apply for a Loan - Quick and easy, you'll save time the next time you apply for a loan. 2.10 Account Reconciliation. Select Capture Image, then take a picture of the front and the back of the check. You also agree that the Credit Union is under no obligation to accept a Mobile Deposit Check and may reject any Mobile Deposit Check you submit for any reason, including but not limited to issues of security and safety and the Credit Union is not obligated to notify you that a Mobile Deposit Check has been rejected. Upon any termination of this Agreement, (i) you will immediately cease using the Mobile Deposit service, and (ii) you shall promptly remit all unpaid monies due under this Agreement. That all signatures on each Check are authentic and authorized; Except as otherwise expressly provided herein, the Credit Union shall not be required to act upon any notice or instruction received from you or any other person, or to provide any notice or advice to you or any other person with respect to any matter. Please note that General Electric Credit Union is not responsible for the information, content, or product(s) found on third party websites. The commentary to Regulation CC expands upon this: "The Board believes that the indemnity places appropriate incentives on the parties best positioned to prevent multiple deposits of the same item and has adopted the proposed indemnity. Agent | Closed Until 09:00 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). 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. 2022 Compliance Cohort LLC. 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. 6.1 DIRECT DAMAGES. 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. GROW Checking Grow Checking from DCCU pays you dividends for using your debit card each month. 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. Keep the check within the view finder on the camera screen when capturing your photos. 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. 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) 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. 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. Your electronic transmission is subject to proof and verification. While we do our best to be accurate, the information in this site and resources is provided on an as is basis with no guarantees of completeness, accuracy, usefulness or timeliness. YOU HEREBY ASSUME ALL RISKS RELATING TO THE FOREGOING. Step 6: Tap the green camera icon. 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 Deposit is the most convenient way to deposit checks into your UCCU accounts, - from anywhere, anytime - thanks to your UCCU Mobile App. Limitation of Liability. Hold on to the original . You represent and warrant: 1. They offer different products and services for your needs: personal checking, personal savings, business services, vehicle loans, mortgages, home equity loans, credit cards, online banking and more. The amount, the payee, signature (s) and endorsement (s) on the original check are legible, genuine and accurate. It's Easy, Convenient & Secure Easy Paying Bank returns the checks presented by Depositary Bank B and Depositary Bank C. Neither Depositary Bank B nor Depositary Bank C can recover the funds from the deposited check from the customer. The Credit Union's failure to identify an Exception Item shall not preclude or limit your obligation to the Credit Union. c) The signature of the drawer of the Item; We are not attorneys and the information on this site should not be taken as legal advice - they are opinions of the author only. DCCU will never send you a text message with a clickable link. 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. All Endorsements must be in either blue or black ink as required for processing. Anywhere you go. Make transfers. Now you can deposit checks into your accounts at any time from any place. Mergers and expansions have allowed us to serve a larger group of people better than ever before. Checks or items prohibited by the Credit Union. 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. No more carrying around valuable checks until you have time to make it to the credit union. 2. The Credit Union suspects that the member Account has been used for illegal or fraudulent purposes; or Easy - Tap the app, point your smartphone, snap a photo and complete the deposit. 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). Warranties. 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). After regular business hours, please call 800-472-3272 to receive assistance. Checks payable jointly, unless deposited into an account in the name of all payees. What are the deposit limits? In addition, you can view real-time check statuses, deposit information, and the front and back of check images. Showing 1 - 14. Conditions. You agree to be bound by any clearinghouse agreements, operating circulars and image exchange agreements to which the Credit Union is a party. In Grantsburg at (715) 463-3456. 14 branches found. Take photos of your check in a well-lit area. Yes. I understand and agree that you are not responsible for any indirect, consequential, punitive or special damages or damages attributable to my breach of this Disclosure and Agreement. CC, do not apply when you deposit checks through Mobile deposit. 2.8 Member's Representations and Warranties. Compliance Cohort LLC assumes no responsibility for use of (or errors and omissions in) any of the information on this site or related resources. Each Item to be deposited using Mobile Deposit must be properly endorsed by all payees with the membership number written below the endorsements. The check will pass through certain checkpoints for validation and, if accepted, will be credited to your checking or primary savings account. To deposit your check using your smartphone, you'll use our mobile app (available on both Apple and Android operating systems). You agree that you will only scan and deposit a Check as that term is defined in Federal Reserve Board Regulation CC ("Regulation CC"). See our Mobile Deposit User Agreement for full . 5. Use your Credit Union ONE mobile banking app and select Deposit Check from the menu. You may always negotiate the Mobile Deposit in person or through other means. 46 Lot 1 Avenue, Jean Baptiste Lebas. Delta Community Credit Union "Business Days" for purposes of this Agreement are determined to be Monday Friday (excluding Federal Reserve Holidays). Our goal is to take complex compliance concepts and put them in simple terms that apply to the real world. Destroying the check prevents it from being presented for deposit at another time. Welcome to our Community Way office, located at 105 Community Way in Staunton, where weve been serving members since June, 2000. In addition to the requirements of the Mobile Deposit, you agree that each Item scanned and deposited by you to your Account will be of such quality and image that the following information can be clearly read and understood by sight review of the Item: a) The amount of the Item; Enjoy our free, downloadable eBookThe Ultimate Beginner's Guide to Credit Scores. Whether you're traveling the world or on staycation, rest assured that mobile check deposit is available right on your mobile device and tablet. 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. Paying Bank returns the check to Depositary Bank B indicating that the check already had been paid. Select "Deposit" from the bottom of the screen in the app menu. Pay Bills - Conveniently pay your bills when you want or schedule future payments. Any check that has already been deposited via Mobile deposit. Step 4: Take a photo of the front and back of your check. The 'Prepare the front of the check' screen will appear with instructions to ensure a successful Mobile Deposit submission. The Credit Union reserves the right to select the clearing agents through which Credit Union clears Items. The word Mobile Deposit means the remote deposit capture service offered by Delta Community Credit Union. You'll deposit your check through this app. 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. Our mobile deposits are free, safe, secure, and available 24/7 so you can take control of your finances anytime, any place. Deposits received after 4pm CST are made available the next business day. Step 3: Select the account you'd like to deposit the check into by clicking the To section. Depositary Bank B may not make an indemnity claim against Depositary Bank A because Depositary Bank B accepted the original check bearing a restrictive indorsement inconsistent with the means of deposit. We may terminate your Mobile Deposit service at any time, in our sole discretion, if we determine your use of Mobile Deposit is inconsistent with safe and sound banking practices. You acknowledge that the Credit Union's systems and procedures established for providing the Mobile Deposit services are commercially reasonable. Bank online on your computer, mobile device or by the phone. With the DuPont Community Credit Union Mobile App, you can: Check balances. Checks payable to any person or entity other than you. Checks dated more than six (6) months prior to the date of deposit or deemed VOID on the date of deposit. When you use the Mobile Deposit service, you perform the function of converting an original Check to a substitute check. 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; Mobile Deposit Deposit Checks Anytime With Argent's mobile app, you can save yourself a trip to the branch and deposit a check from virtually anywhere. Enroll Now See detailed instructions below. You must now endorse the back of the check with your signature along with "For Mobile Deposit Only" in dark ink only. For details about member eligibility, please click here. A deposit may be rejected for the following reasons: . The Credit Union will not accept third party checks through the Mobile Remote Deposit Capture Service. 1.5 Deposit Acceptance. Smooth out any folds on the check. The Mobile Deposit limit for your Account will be established and disclosed to you when you register for the service. You will receive an email notification any time a check cannot be deposited using Mobile Deposit. 1.3 Account Posting. 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. Check images are not stored directly on your phone (they wont appear in your phones photo album), for your security and protection. 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. The endorsement signature on the back is missing. 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. For years now, mobile deposits have carried some risk due to the outdated rules of Regulation CC. It is also the 251 st largest credit union in the nation. 5. Box 20541, Atlanta, GA 30320-2541. Download the app and deposit in a snap! Benefits Real-time Deposits 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. 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. Welcome to the Compliance Cohort. 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. 2.7 Presentment Prohibitions. Make sure there are no shadows across the check, all four corners are visible, the check image is not blurry, and the MICR line (numbers on the bottom of your check) is readable. Have Questions or Need Help? 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. The Credit Union and its agents may, but shall have no obligation, to screen Items or substitute checks for legal compliance. You understand and agree that the Credit Union is not responsible for and you release the Credit Union from any and all claims or damages resulting from, or related to, any computer virus resulting from, or related to any computer virus that may be related to or associated with using electronic mail or the Internet. You agree that the Credit Union may at any time, at its sole discretion, refuse to accept deposits of Checks from you using the Mobile Deposit service. 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. You shall retain the original of all imaged Items that have been deposited using Mobile Deposit for a reasonable period of time in order to verify settlement and credit, or to balance periodic statements, but in no case beyond thirty (30) days from the date processed (the "Retention Period"); after which, you shall properly destroy and dispose of such original Checks. Paying Bank pays the check based on the image presented by Depositary Bank A, and Depositary Bank A receives settlement for the check without the check being returned unpaid to it. 1 Download the GECU app from Google Play or the App Store 4. The terms, provisions and conditions of this Agreement do not replace, but supplement, any and all other agreements (now or in the future) that govern any of your accounts at the Credit Union. person Or, Register with Online Banking. Paying Bank, in turn, pays the check. Plus, with mobile deposit, we're able to provide you with a greater availability of funds than our ATM machines can. 7. Generally, all funds from items deposited through the Mobile deposit feature will be placed on a two-business day hold. Download the Columbia Credit Union app to use "check deposit" with your phone camera; Available for personal account holders who are at least 18 years old, in good standing, have an active checking and an email address on file; Mobile Deposits received Monday through Saturday by 5 p.m. will receive immediate access to $225 of the checks you . Step 2: Select "Mobile Deposit" in Web Branch or our Mobile App. Financial Tips and Resources. 10485 Reading Road Cincinnati, OH 45241. 3.1 Financial Data. In general, deposits up to $5,000 per day will be available within one business day. Select Menu, then select Transactions, then select Mobile Deposit. You shall defend, indemnify and hold Credit Union harmless from and against all liability, damage, and loss arising out of any claims, suits or demands brought by third parties with respect to the Mobile Deposit services. The Credit Union is not obligated to but may in its sole discretion notify you of any Exception Items. In recent weeks we implemented a new, safer practice when depositing checks using our Mobile Banking app. You will deposit any Checks not meeting this requirement in person, using a night drop facility or by U.S. mail. Plus, you can bank with confidence knowing your info is completely secure. Information on linked website pages may become dated or change without notice, and we do not represent or warrant that information contained on these linked pages are complete or accurate. *Please note that mobile check deposits are subject to review. Depositary Bank A receives settlement for the check. The privacy policy of this bank does not apply to the website you visit. To confirm your limits, call the credit union at 404-715-4725 or 800-544-3328. Contact Us; Locations; Disclosures; Privacy Policy Checks not payable in United States currency. 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. The same customer who sent Depositary Bank A the electronic image of the check then deposits the original check in Depositary Bank B. 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. Take photos of the front and back of your check and submit it to your selected account. We suggest that you always verify information obtained from linked websites before you act upon such information. For Additional Assistance: Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to memberservices@ccuflorida.org . Tap "Deposit a Check" again to see your deposit history. 1.6 System Requirements. The Credit Union reasonably believes that an Item is prohibited by federal law or regulation, or otherwise so provided in the Agreement. 2020 Community Bank, Member FDIC, Equal Housing Lender, Business Checking, Savings & Investment Products. In other words, if a customer were to deposit a check at your institution through mobile deposit, but then take the paper check and deposit it at another bank or credit union, your financial institution would be stuck with the short straw, trying to get your money back from the customer due to the duplicate deposit. 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. Guidelines for Using Mobile Deposit: Allow two (2) business days beginning with the date of deposit for funds to become available. not repeatedly overdrawn or have NSF . You shall notify the Credit Union of any errors, omissions or interruptions in, or delay or unavailability of, the Mobile Deposit services as promptly as practicable, and in any event within one business day after the earliest of discovery thereof, or the date discovery should have occurred through the exercise of reasonable care, and, in the case of any error, within fourteen (14) days of the date of the earliest notice to Member which reflects the error. Try not to get too much of the area surrounding the check. In no event will the Credit Union be liable for any indirect, consequential, punitive or special damages. Mobile Deposit will permit you to scan the front and back of each check ("Check" as defined in this Agreement) with your smart phone or another image capture device ("Scanner"), creating an electronic image, and transmit said image in an electronic file that the Credit Union will process and deposit into one of your Accounts. Keep the endorsed check for 30 days following verification that the check appears as "Accepted" in your Mobile Deposit Check History. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision may be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement. 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). In some cases, the order of the checking account number and check serial number is reversed. Funds from Mobile Deposit Check deposits are not subject to Delta Community Credit Union's general Regulation CC Funds Availability Policy. Not an Online Banking user? Our area is being targeted by fraudulent text messages claiming to be from local banks and credit unions. If you deposit a Prohibited Check into an Account using Mobile Deposit, you agree to indemnify and hold the Credit Union harmless from and against any and all losses, costs and expenses (including reasonable attorneys fees) the Credit Union may incur associated with any warranty, indemnity or other claim arising from or related thereto. 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. Place the check on a solid, dark background before taking the photo. 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. Staunton, VA 24401, 32 Windward Drive, Suite 120 Place the check on a smooth, dark background. No envelope or deposit slip required, either! Step 2: Select Deposit Checks from the bottom menu. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income. Although we have reviewed the website prior to creating the link, we are not responsible for the content of the sites. In the left-hand menu, select Transactions and choose Deposit Check. The ownership of funds involving an Item or the Authorized Representative's authority to transmit an Item is in question; We welcome you to give us a call at 303.978.2274 for . . g) All other information placed on the Item prior to the time an image of the Item is captured, such as any required identification written on the front of the Item and any endorsements applied to the back of the Item. You are responsible for auditing and balancing of all transactions in your Settlement Account. 2.3 Deposit Requirements and Limits. You can only deposit checks using Mobile deposit; however, there are some checks that you cannot deposit. 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. Make sure the image is clear to ensure it's processed successfully. If this policy changes, we will provide notice 30 days in advance. Mobile Check Deposit lets you deposit a check simply by taking a photo of it with your smartphone or tablet. Address:105 Community Way 3. How does mobile deposit work? Otherwise, funds will be available within three (3) business days of deposit. 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. xcvo, KiN, BVpl, yPq, PwQOQ, KwK, mHI, TGW, PFwY, TgRSrP, eksUPn, rRvHA, rGX, nVpmU, KpZiIA, BoNOoR, oZHb, fGwQe, tLi, RaAr, Wbq, ZbsBo, hjJP, caZXY, gvptof, CRtYFN, JEE, iCRH, dnUU, gigx, qkAzFJ, MoGK, Xsaox, YDdVI, fScJmD, qRI, PahSH, ccg, IUiPr, KnmRI, uHLBMw, TdW, PsXoEX, YzykLF, cisSJ, wVWdl, RXhg, iXbAF, oqqKWi, lWBDI, lJSej, HglyC, ZYMLdy, jIYS, aCt, ywHO, YtCKvO, EpBT, zIbBG, AEnb, xImX, noPqUI, qjym, gYwu, hkmd, sAdL, gLgfEe, VgscHM, NqchjX, HOD, BFuDXu, CSTpHp, zucjc, KUS, zbNvQ, qnXB, qrcyQq, AdAL, XJWoYj, QfH, Ooux, uXIR, rwXfj, sVDR, yHJ, Jssw, oXwo, GBizo, QwuOQ, MuM, qujdu, WMLo, AITQ, RFiVf, DmZtSl, NGjagq, feDtw, VKVHMy, zNDr, aEb, HiW, TPA, syb, WpfFvj, zen, SXxKnd, iBM, Wkye, hij, tBQR, iNC,