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Tip from Hank

Remote Deposit Anywhere

Snap a picture. Deposit a check. Remote Deposit Anywhere is the new, easy way to deposit checks into your account. Safe and secure, all you need is a smartphone or tablet with a camera to capture an image of your check. It’s that simple. No more driving to branches or ATMs. Just shoot, send and deposit. From the comfort of anywhere.

Sign up now and deposit checks your way.

  • Deposit checks anytime;
  • As easy as taking a photo of a check; and
  • Use your smartphone or tablet’s camera*.

*works with most smartphones and tablets.

Frequently Asked Questions (FAQs)

What is Remote Deposit Anywhere (RDA)?

Remote Deposit Anywhere is MCU’s service that allows you to deposit checks using a mobile device such as your smartphone or tablet. RDA is part of our mobile banking app. If you have never downloaded MCU’s mobile banking app, go to the iTunes App Store or Google Play Store and input Missouri Credit Union mobile banking. If you already have the mobile banking app, be sure to update it so the RDA feature shows in the mobile banking menu.

What Are the Mobile Device Requirements for RDA?

  • iPhone iOS 4.3 or higher
  • iPad 2+ running iOS 4.3 or higher
  • Android – no minimum requirement

Who can use RDA?

Members may use RDA if their account is in good standing (and open for more than 30 days), and meets the system’s nightly evaluation for eligibility. Eligibility includes but is not limited to the following: no delinquent loans, no charge-off loans or shares, no bankruptcy, and no repeated NSFs.

Is there a limit to the check amount that can be deposited?

The daily limit is $5,000 and the per-check limit is $5,000.

How Do I Know That My Deposit Has Been Accepted?

First, be sure all payees sign the back of the check and include FOR REMOTE DEPOSIT ONLY above all signatures for proper endorsement. Once submitted, you will receive an email confirmation from questions@missouricu.org which is sent to the email address on record. The confirmation will state that your deposit has been received, the date it was submitted, the total dollar amount, and a reference number for your deposit.

When Will My Funds Be Available to Use?

MCU must verify your deposit, and will make your funds available to you on the second business day after the day we receive your deposit. For example, funds deposited on Monday will be available on Wednesday. Funds deposited after 10:00 p.m. Monday will be available on Thursday. Funds deposited after 10:00 p.m. Friday will be available on Wednesday during the next week.

Mobile banking shows your available balance only. Unverified or uncollected funds will not be included.

How Do I Find Out If My Check Has Been Verified?

Currently you can only see pending items through mcu@home on your desktop. Go to Pending Items under the History.

What Do I Do With The Check I Deposited Using RDA?

RDA users are required to keep the original check for a reasonable period of time to verify the credit has been made to your account or to balance your monthly statement. During this time, the check item(s) should be stored in a secured place. After the retention period, the original check item(s) should be destroyed to ensure they are not accidentally deposited again.

How Should I Destroy the Deposited Check?

RDA users must securely and irretrievably destroy the original check item(s) after the retention period. Competent shredding equipment will assist in the complete destruction of check information. Do not leave deposited items lying around, and do not put deposited items in the trash or recycle containers unless they have been shredded first.

Additional Precautions

To help you identify checks that have been deposited using the mobile banking app and to prevent them from being deposited again, write FOR REMOTE DEPOSIT ONLY above the signature(s). In the future, if we find a check that doesn’t have REMOTE DEPOSIT written above the signature(s), we may not accept the check for deposit.

As always, thanks for your understanding. And we hope you find Remote Deposit Anywhere (RDA) convenient.