General Questions

How much can I deposit?

Our current daily deposit limit is $50,000 per day. There is a monthly limit of $200,000.

What is Remote Deposit Anywhere (RDA)?

With Remote Deposit, depositing a check is as simple as taking a photo. Simply snap photos of the front and back of your check with your iPhone/iPad, or Android device endorse properly, and submit to deposit into your Credit Union account.

How much does it cost to use the Remote Deposit app?

There is no fee to install/enable the Remote Deposit app. However, standard wireless carrier data and charges apply, so please make sure you understand the terms of your mobile agreement before using the app.

How many checks can I deposit?

Our current daily check limit is 5 checks per day. There is a monthly check limit of 150 checks per month.

Who can enroll in Remote Deposit?
  • In order to enroll in Remote Deposit, your account fulfill the criteria listed below:
    • Must be over 18 years of age
    • Account must be in good standing. This means:
      • Loans cannot be in delinquency status
      • Cannot have any charged off loans or shares
      • Cannot have derogatory action placed on accounts
      • Cannot have an excessive NSF history
      • Cannot have Overdraft Priviege revoked from account
How do I enroll in Remote Deposit?

Enrolling is simple! Simply log into our Advia Mobile Banking app, available for both iPhone & Android. Select "Deposit a Check" from the menu dropdown or app home page and complete registration. Make sure to allow the app access to your camera, as it is needed to snap photos of your checks to deposit.

What devices can I use to access Remote Deposit?

Access Remote Deposit Anywhere via our Advia mobile banking app or through Digital Banking. If you do not have the "Deposit Funds" tab located in tabs across the top of Digital Banking, or the "Deposit a Check" within the mobile banking app (iOS users may need to click on “More”), then you will need to follow the steps for enrollment, or contact us at to get set up. In order to use Remote Deposit, your account must be in good standing.

  • On your iPhone/iPad:
    • Verify you have the mobile app; if not, download the app via the App Store.
      Make sure you have first registered your mobile device. Log into mobile banking via your iPhone, click the "More" icon, then click the "Deposit" button.
  • On your Android phone:
    • Verify you have the mobile app, if not download the app via Google Play.
      Make sure you have first registered your mobile device. Log into mobile banking via your Android phone, click the "Deposit" icon.
Can I use Remote Deposit to deposit checks into my business account(s)?

Yes. Learn more about Remote Deposit Complete for Business.

How do I endorse a Remote Deposit check?

To endorse a check for deposit through our mobile app, you must:

  • Sign the back of the check within 1 ½" from the top edge.
  • For a check payable to you and any joint owner(s) of your credit union account, the check must be endorsed by all such payees. You may only use Remote Deposit to deposit such a check into your credit union account that is jointly owned by all such payees.
  • If the check is payable to you or your joint owner, either party can endorse.
  • If the check is made payable to you and any non-joint owner, you may not deposit the check in your credit union account using Remote Deposit.
Is there a cut-off time to make my deposit?

If you make a deposit with Remote Deposit before 2:00 p.m. (ET) on a business day (Monday-Friday), we will consider that day to be the day of your deposit. However, if you make a deposit with Remote Deposit after 2:00 p.m. (ET), on a weekend, or federally observed holiday, we will consider that the deposit was made on the next business day.

How do I get the best image of the check using Remote Deposit?

Please remember to endorse the check before you take a picture of it. If you fail to endorse the check, the payer's bank may choose not to pay it, and the deposit to your account will be reversed.

  • Flatten the check and place it on a dark, non-reflective surface.
  • Make sure there is enough light to distinguish the check from the background.
  • When the image is displayed for you to review, if it is not readable, tap "Retake" to retake the picture of the check.
  • If Remote Deposit Anywhere cannot correctly interpret the writing on your check, you can deposit the check at any one of our branch locations.
Where can I find the terms and conditions for Remote Deposit?

It will be available when you enroll for Remote Deposit within Digital Banking, plus it can be found on our website in the Disclosures section.

Are deposits made using the Remote Deposit app secure?

Your transmissions made using the Remote Deposit app are safe and secure. Check images are only stored on the phone until you complete your deposit. If you launch the app and take photos of a check in "Offline Mode," the check image is stored on the phone until the next time you log into the app and submit the deposit. For this reason, it is important that you take appropriate steps to protect the security of your phone like:

  • Password protect your mobile device
  • Keep your mobile device in a secure spot when not in use
  • Secure your login information
  • Let the credit union know immediately if you think your login information has been compromised

After My Deposit — Mobile iOS and Android

When will my deposit show on my account?

$225 will be available same day upon remote deposit submission. Please allow two (2) to seven (7) days for full amount to be deposited.

Why would a deposit be held for review?

If you are not a new user and get the "held for review" message, most likely the check is missing information such as MICR, signature, date, maker or endorsementor may have been marked as a possible duplicate or for bad image quality.

What do I do with my check after I have sent the image?

A processing deposit confirmation will be sent to the email address currently set in Digital Banking under Preferences. For your protection, record the confirmation number on your check. Retain it until the funds are available in your account balance. After 60 days, you should properly destroy or shred the check.

Trouble Shooting — Mobile iOS and Android

I downloaded the app but am unable to login.

You must first register your mobile device and enroll within Digital Banking. Please contact for technical support.

I am getting a message inside of my app that says "Account Not Active".

You must first authenticate mobile banking within Digital Banking via our website (Options tab – mobile settings).

  • Click on the Options tab
  • Then click on Mobile Settings
  • Check "Enable web access for your mobile device" (within the Web Mobile Settings tab)
  • Enter your mobile phone number
  • Choose your wireless provider. NOTE: If you are a Cingular user that merged with AT&T, please select Cingular as your carrier.
  • Select the accounts you want to access from your mobile phone
  • Click the Submit button and a text message will be sent to your phone
I do not see the "Deposit a Check" button in my app (iPhone users only).

If you are on an iOS device and have multiple services enabled (i.e. Bill Pay, alerts, locations), you may need to click on the “Menu” button to view all services available including “Deposit Check”. If you can still not see the “Deposit Check” option, contact us at

Why don’t I see Deposit a Check in my app?

If you enrolled today, please allow one business day to process your request. Otherwise, if you do not have the Deposit a Check option in the mobile banking app, you will need to follow the steps for enrollment or email for technical support.

Are there any limits to how much I can deposit?

You must first authenticate mobile banking within Digital Banking via our website (Options tab – mobile settings).

  • Maximum daily aggregate amount: $50,000
  • Maximum monthly aggregate amount: $200,000
I am experiencing some very slow response times when I try to look at my account detail.

You may have changed your Transaction settings to "All." To adjust the amount of transactions that get pulled from our server, log into the full version of Digital Banking from your desktop browser, go to Options > Display, and change Transactions to "Last 30 Days." Please log back into Digital Banking via your mobile app to confirm that your response time has improved.

I continue to take photos of the front and back of my check, but it will not let me deposit the check.

If you notice that the green check mark disappears on the "Check Front" after you take a photo of the "Check Back" and vise versa, then you may need to restart your phone. Your phone and the Remote Deposit app are not working together correctly and need to be rebooted. Power down the phone completely, then turn it back on. Once the phone is back on, log back into your account and try to redeposit your check.