Credit Union in Gloversville & Broadalbin, NY | First Choice Financial Federal Credit Union - First Choice Financial Federal Credit Union

title

Remote Deposit Capture Overview

title

Primary Features:

For Personal Accounts, checks must be endorsed with the words: “For Mobile Deposit only at First Choice Financial FCU” - WITH MEMBER SIGNATURE & ACCOUNT #. Only checks made payable to the account owner(s) are eligible.
For Business Accounts, checks must be endorsed with the words: “For Mobile Deposit only at First Choice Financial FCU” – WITH BUSINESS NAME & ACCOUNT #. Only checks made payable to the business are eligible.
Remote Deposit Capture is available 90 days after account opening if member is in good standing with the Credit Union.
Member must have activated their PCU access and FCFFCU Mobile Banking APP for access to product.
FCFFCU Mobile Banking APP is available for smartphones (Android and iPhone) and on tablets.
$5,000 per item and $5,000 per day transaction limits
Savings bonds, money orders, travelers’ checks, and foreign checks cannot be deposited.

title

Member Information:

Checks deposited before 3:00pm ET on a regularly scheduled “Business Day” will be credited that day.
Checks deposited after 3:00pm ET on a regularly scheduled “Business Day” will be credited the next “Business Day”.
FCFFCU has the right to delay the availability of funds for a reasonable period of time for any check and FCFFCU has the right to reject any item.
Returned items will be processed similar to over the counter received checks.
Once notification of funds has been received, members should write VOID on the original check and store in a safe place for 60 days after deposit.
A negative balance in the share or share draft account may result in loss of access to Remote Deposit Capture
Members should make sure no other documents or writing appear within the picture of the check or the image will be rejected.

Key Features & Benefits:

Members can deposit checks into their accounts anywhere and at any time.
No need to make a trip to the branch – deposit through your phone or tablet.
Internet Banking through PCU, FCFFCU Mobile Banking App, and Remote Deposit Capture are all FREE products.

title

Mobile Banking and Remote Deposit Capture (RDC) Notice:
Mobile Banking and RDC requires online banking enrollment through PCU Banking. In order to use this service, you need an Internet browser enabled cell phone or smart phone. You will be responsible for data charges on your device (check with your mobile provider). First Choice Financial FCU does not support the cell phone device and are not responsible for any errors or malfunctions of your device, the browser or software. You are responsible for the security and security settings on your device. First Choice Financial FCU also is not responsible for any virus or related problems that may be associated with the use of an online system.