NuVision Federal Credit Union’s Remote Deposit Capture Service
Q: What is MyDeposit?
A: NuVision’s MyDeposit lets you deposit checks in real-time directly into your NuVision accounts from the comfort of your home or office. Using your Internet-connected computer and almost any scanner, checks can be deposited in just a few simple steps. It’s like having your own personal Branch or ATM access from work or home.
Q: Can anyone use MyDeposit?
A: NuVision members that have been with the Credit Union for a minimum of one year may qualify for this convenient service. There is an approval process and certain restrictions may apply.
Q: Are there holds placed on checks using MyDeposit?
A: Checks deposited via MyDeposit are subject to NuVision’s Funds Availability policy.
Q: Are there any items I cannot deposit through the MyDeposit service?
A: Any items that you are able to deposit through the ATM can be deposited through the MyDeposit service.
IMPORTANT: A deposit of any of the following items is prohibited and can result in immediate cancellation of this service:
- Foreign Checks (checks drawn on an account in a country other than the United States)
- Altered Checks (crossed out information (numerical, written amount and name adjustments)
- 3rd Party Checks (Pay to The Order used to assign a new payee )
- Incomplete Items
- Non-Negotiable Items
- Non-readable or non-visible MICR line items (the numbers at the bottom of checks)
- Deposit of checks drawn on the same account
- Items previously deposited in this account or in an account at another financial institution
- Savings Bonds
Q: What is the deposit limit?
A: The limit is $ 2,500 per day. Limits for business account holders will be determined on a case by case basis by the Business Services department. Total number of checks to be submitted daily is ten (10).
Q: How do I access MyDeposit?
A: It’s easy!
- Log into Online Banking
- Click on the “Products & Services” tab located in navigation bar
- Select “MyDeposit”. After accepting the MyDeposit disclosure, you will see this screen.
Note: The question below, “Use the same scan options as last time?” will only appear after you have successfully completed a deposit transaction.
Q: How do I know if you’ve received my deposit?
A: MyDeposit are real-time deposits. After scanning your check look for the “Your deposit has been accepted!” message to appear on your screen. You can view your updated account balance and history by exiting Online Banking, then logging in again to refresh the information and check the balance.
Q: What do I do with checks after I have deposited them using MyDeposit?
A: The last screen instructs users to use a post-it note and to write “void” on the note and to adhere it to the check. We ask that you not deface the check (write on it) in case we need you to re-deposit it. This is a rare occurrence. After 90 days, you can shred the check or otherwise dispose of it securely.
Q: Is there more than one way to use the system?
A: Yes, there are two ways to use the system.
- If on a PC running Internet Explorer as the browser, you can use the built in helper software (requires a download of an Active X eztwain driver which you will be prompted to install if you desire).
- If on any other system, you can use your own scanner software.
Q: How do I use the”Active X eztwain driver” method of scanning?
A: Upon your first usage of MyDeposit (and if on a PC running IE as the browser), you will be prompted to install the driver (a pop up instruction within the browser). This driver allows our system to communicate with your scanner. This method displays screens that show you where to place your checks and has controls over the scanner to correct the settings for a successful MyDeposit.
Q: How do I use the “use your own scanner software” method of scanning?
A: You can also use your own scanner software to use MyDeposit. When asked to select your method (on the second page), select “use your own scanner software” from the drop-down menu. This will then require you to first save the front and back of the image on your machine. Then you are asked to “browse” to the images. After that you will see the image you scanned within our system and you can then crop them if necessary.
Q: I run Windows 7 with Internet Explorer 8 and have issues with installing the Active X plug-in. What can I do?
A: Most MyDeposit problems that occur on Windows 7 are because users do not have administrative privileges on the computer they are using. Try closing all IE browsers, then right click the Internet Explorer icon and select “Run as Admin.” Then proceed again and the Active-X should load properly.
Q: The message reads “unable to read account numbers.” What do I do?
A: If this occurs, you may not have enough space under the bottom MICR numbers located on the check bottom. Try clicking the “undo” button within the “crop” section, which will move the check image back a little bit so that you can re-crop it. There has to be ample white space visible under the bottom numbers in order for the scan to be accepted. Tip: Before scanning the item, place 4 small dots on each corner of the check (front and back). This may help your scanner create an acceptable image that may not require cropping.
Q: How do I crop?
A: Cropping is a 4-step process
- Click “crop”
- Click (one time) the top left of the check
- Click (one time) the bottom right corner of the check
- Click the “Crop” button.
This will crop the check to your specifications. The system will notify you when your check has been successfully cropped and ready to process.
Q: Is there a help file?
A: Yes, after you access the MyDeposit system, there is a help link located at the top right of the page.