Deposit checks from anywhere using a computer and scanner
You can now deposit checks into your AEFCU Checking account "on-the-go" without visiting the Credit Union. It's as simple as scanning the front and back of your endorsed check and sending it through online banking. It's convenient, secure, and it's FREE!
Making a deposit:
Log-in to your online banking account and click on the "eDeposit tab".
Download the software and accept the User Agreement (first time only).
Select the account that you wish to make a deposit to.
Scan your check and submit the deposit.
It's that EASY!
To qualify for this service, you must:
Be 18 years of age or older and
Be enrolled in Online Banking and
Have an American Eagle FCU checking account
See Deposit On-The-Go-Agreement
Questions & Answers
What is “Deposit-On-The-Go”?
Deposit-On-The-Go is AEFCU’s Remote Deposit service for consumers that allows you to deposit a check into your AEFCU checking account using your desktop computer or mobile phone, without having to visit a branch.
Who is eligible to use this service?
To use the service, an individual must be 18 years of age, be enrolled in Online Banking, and have an American Eagle FCU checking account .
How much does this service cost?
This service is free but you will need a TWAIN compliant scanner to deposit checks using your personal computer.
How do you access the service?
You can access the service directly through online banking. Qualifying members can access the service by clicking the “eDeposits” tab that is visible after logging into online banking. At that point you will need to download the application (the certificate/license to access the service) and accept the terms and conditions.
Do I need a deposit ticket to make a deposit?
No. Sending a clear scanned image of the front and back of the check is all that is needed to make a deposit.
How long will it take to receive credit for their deposit?
If you make your deposit prior to the 2:00pm cutoff time, the deposit will be reviewed and credited by the end of the day. If the deposit is scanned after the cutoff time, your deposit will be reviewed and credited by the end of the following business day. All deposits will have an automatic 3-day hold placed on them.
How will I know the check image was accepted?
You will receive an on-screen confirmation number as well as three emails indicating that your transaction was received, approved, and processed.
How secure is this service?
DEPOSIT-ON-THE-GO features multiple layers of security including password protection, internet firewalls, and 128-bit encryption, the highest level of security available.
What do I do with the “actual” check after I scanned it?
Do not destroy the actual check until you verify that the deposit was credited to your account. We suggest keeping the check for a minimum of 60-days.
Is there a limit to how many checks I can scan?
Yes. you can scan up to $10,000 within a week and up to $20,000 in a month.
What accounts can I make a deposit to with this service?
You will only be allowed to make deposits into your checking account.
Are there any items that cannot be deposited?
Yes. The following types of checks cannot be deposited:
Checks for which you are not holder in due course (not payable to member on account).
Checks over $10,000
Checks with Qualified or Conditional endorsements
Checks payable to more than one individual where all parties are not signers on the account (including government checks)
Any item stamped “Non-negotiable” or “This is not a check”
"Stale” dated checks (more than 6 months old)
"Post" dated checks (future date)
Any item issued by a financial institution in a foreign country or in foreign currency
An item that is incomplete
Any item that contains evidence of alteration to the information on the item
Any item that has folds or torn edges
Do both sides of the check(s) have to be scanned?
Yes, the system will prompt you to scan both the front then the back of the check.
What if I need a copy of a check I scanned?
You will be able to request a copy of a deposited check from AEFCU from our Member Contact Center or your local branch office. The check image will also be available for viewing in Online Banking.
What is meant by a TWAIN compliant scanner?
TWAIN is an industry wide standard that allows a computer to communicate with a graphic device, such as a scanner or digital camera. Nearly all scanners, digital cameras, and web cams are TWAIN compliant. Devices that are not TWAIN compliant will usually only work with very specific software, which usually comes with the device, while a TWAIN compliant device will usually work with a wide range of software.
Are there any special hardware or software requirements?
You will need internet access, a TWAIN compliant scanner, and you will be required to download a certificate/license for the initial log-in.
How will I know if I’m placing the check correctly on the scanner?
When the screen appears asking you what to scan, place the check on the scanner and select “preview” button first to view the item. Once you’ve previewed the check, select the “scan” button to continue with the deposit.
If I use another computer, will I have to download the certificate again?
What if I receive an error message while scanning a check?
If you receive any type of error message the error message should state what was done wrong. If you receive an error message stating “MICR could not be read”, just click “ReScan” and the application will automatically increase the computer’s contrast which will allow the check image to be scanned.
What steps do I need to take if I receive the “Trust Not Granted” error message?
Exit out of the error screen, from your computer’s toolbar select Tools and click on “Internet Options” from the drop-down menu. From the Internet Options screen, click on the “Security Tab” from the Security screen click on the green check mark labeled “Trusted sites” then click on the “Sites” button. On the Trusted Sites screen, look to see if the web address (site) you are using is listed in the Websites Section (use scroll bar to look at all options). If it is not listed and the address did not appear in the “Add this website to the zone” field > type in the websites URL leaving out the https://www in that field > Once you enter the URL the Add button will light up > Click Add. After you click Add > Click the Close button > Click the OK button and you should be all set. The URL you entered is now a trusted site.