eDeposit

eDeposit
Frequently Asked Questions

What is eDeposit?
eDeposit is a service that allows PFCU members to make deposits from their personal computer at their home or office with the use of a standard scanner. If you are using a wireless scanner a few extra set-up steps may be necessary. Please contact Member Services for assistance.

What types of scanners can I use with eDeposit?
Most of the scanners available to consumers on the market are supported by eDeposit. As long as your scanner is TWAIN compliant, you will be able to use your scanner with eDeposit.

What is the cut off time for depositing checks through eDeposit?
If you deposit your check before 4:00 p.m. PST, that check will be sent for processing the same business day. If your deposit is made after 4:00 p.m. PST, the check will be processed next business day. 

Will I be able to view the image of the scanned check?
If you deposit a check into your account using eDeposit, you will be able to see the receipt number and a copy of the check after you submitted it for deposit.

When will I be able to see the deposit in my account?
After you submitted your deposit, you will be able to see the credit in your account history. However, funds availability rules will apply based on the type of the check, check amount, and your account history.

What happens with my check after I have scanned it?
The check is electronically transmitted to PFCU.

Can loan payments be made with eDeposit?
Yes, a loan payment can be made with eDeposit. The credit will be applied to your loan account.

Why did my check reject?
There are a number of factors that could cause your check to be rejected during the eDeposit process. Some of them include:

• Check amount could not be read
• Blank or suspect check
• Check number could not be read
• Check date could not be read
• Front signature was not detected or is missing
• Account number, routing number or other check data could not be read
• Invalid routing number information

We recommend that you write legibly on the check and make sure that you handwrite in the spaces allocated.

Can additional holds be applied to my check?
Yes, in some circumstances additional holds may be applied to the check you deposited. We will send a notification to you via mail, the day that your deposit has been processed, regarding the extended hold applied to your check. 

Why am I not eligible to use the service?
eDeposit may not be available for your account due to deposit or account restrictions.

For further assistance and details, please contact us during business hours Monday through Friday.

Does the service have deposit limits?
No

 Can I deposit all types of checks?
There are some types of check that are prohibited from being deposited:

• Checks that are payable to any person or entity other than you or include a third-party endorsement;
• Checks that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Check is drawn, including checks received via Internet solicitations;
• Checks that have not been previously endorsed by a financial institution (a bank, savings and loan, or a credit union) and are either “substitute checks” or Image Replacement Documents (“IRD”) that purport to be substitute checks, without credit union’s prior written consent;
• Checks that are drawn on financial institutions that are located outside of the United States or Territories of the United States;
• Checks that are Remotely Created Checks, as that term is defined in Reg CC; or
• Checks which are not acceptable to credit union for remote deposit into a deposit account, including: 
• Savings Bonds 
• Mutilated Checks

What do I do with the scanned check after depositing it?
Retain your eDeposited check in a secure location until you have confirmed your deposit has cleared your account. After confirmation, you may void the check. We recommend that you retain the check for 90 days for your records and destroy it after that time. 

What are the system requirements to use eDeposit?

• Windows 2000®, Windows XP® with Service Pack 2, Windows Vista™ or MAC OS X  
• Internet Explorer® 6 (with security set to medium), Internet Explorer® 7 (with security set to medium high), Firefox 2.0 and up, Safari 3.1 and up
• Broadband (at least basic DSL or cable)
• TWAIN compliant document scanner

Why are there more than one scanner driver loaded in the drop down menu in eDeposit?
The application downloads all scanner drivers available on your PC and displays them in the drop down menu.

Why does the front of the check scan with extra space and needs to be cropped?
The imaging process depends on the scanner. Some scanners scan the check with extra space and some with no space around the check.

We recommend that you place four black dots (the size of the pencil eraser) in the four corners of the check before scanning the check. This will help the scanner determine the outline of the check so that you will not have to crop extra space. 

Will I have to download anything to use eDeposit?
If you would like to use the built-in scanning software within eDeposit, you will need to download Active X – an application that will enable eDeposit to communicate with your scanner.

How do I know where to download Active X from?
The first time you use eDeposit, you will notice a yellow Information Bar at the top of your Internet Explorer browser window. You will be prompted to install an Active X control called EZTwainX by Dosadi.

Is it safe to download Active X?
Any Internet control, e.g. Active X, that accesses devices on the user's machine poses a potential security thread. eDeposit uses signed controls which verify the authenticity of the Active X and provide instructions as to what to expect.

What if I don’t want to download Active X?

You can simply use your own scanner to scan and save your checks and then simply upload them into eDeposit.

Are there any requirements if I want to use my own scanner to scan and upload the check?
Yes. Your check must:

• Be in grayscale
• Be saved as jpg
• Have a resolution of 200 dpi or higher
• Be smaller than 1 MB

I tried to access eDeposit from CU Online Home Banking but the application window did not launch. What do I need to do?
In order to access eDeposit, your pop-up blockers need to be disabled. 

How can I disable the pop-up blockers?

You may see a yellow Information Bar at the top of your browser alerting you that the pop-up blockers are enabled and providing a link to disable pop-up blockers.

If this option is not available to you and you are using Internet Explorer as your browser, follow the instructions below:

• Go to Tools->Options
• Select the Privacy Tab
• Uncheck “Turn on Pop-up Blocker”

If you are using Firefox as your browser, follow the instructions below: 

• Go to Tools->Options
• Uncheck “Block Pop-Up Windows”

Question not listed? Contact us today!