E-Deposit FAQs
Q. What is E-Deposit?
A. E-Deposit lets you make real-time deposits using a standard scanner. You must log in to E-Branch to use the service.
Q. Can anyone use E-Deposit?
A. Members must request this service by sending an email to HYPERLINK "mailto:remotedeposit@affcu.org"remotedeposit@affcu.org.
Q. Are holds placed on my E-Deposits?
A. Yes, holds are placed according to our standard hold policy. It is AFFCU's general policy to place a two business day hold on check deposits. In some cases this hold could be extended.
Q. How do I access E-Deposit?
A. Log onto E-Branch, and then click on the E-Deposit tab located in the navigation bar.
Q. Are there any unacceptable deposit items?
A. Yes, they include:
- Foreign Checks
- Altered Checks
- Incomplete Checks
- Non-Negotiable Items
- Non-readable or non-visible MICR line items (the numbers at the bottom of checks)
- Deposits from the same account that the deposit is crediting (on us checks)
- Checks issued to others than the member and endorsed over to the member
The deposit of any of the above items is PROHIBITED. Deposits of this nature may result in the immediate revocation of this service and may be subject to collection efforts.
Q. Do checks need to be endorsed by the account owner?
A. Yes, all checks deposited through E-Deposit must be properly endorsed by the account owner.
Q. How do I know if you've received my deposit?
A. Deposits are in real-time. If you try to scan a check and the response screen states, "Successful Deposit," and gives you a receipt number, then AFFCU has received the funds. You can view your updated balance by exiting E-Branch, 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 E-Deposit?
A. The last screen instructs users to use a post it note and to write the date you made the deposit 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 at least 90 days have passed, you can shred the check or otherwise dispose of it securely.
Q. Is there a help file?
A. Yes, after you access the E-Deposit system, there is a help link located at the top right of the page.
Q. Is there more than 1 way to use the system?
A. Yes, there are 2 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 twain 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 Twain Driver" method of scanning?
A. Upon your first usage of E-Deposit (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 E-Deposit.
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 E-Deposit. 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. What is the deposit limit?
A. The limit is $5,000 daily.
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.
Q. Whom do I call for assistance?
A. If the help file does not answer your question, you can call us at (410) 584-7474 or (800) 505-7476 or email us via the Contact Us page.
