What is Remote Deposit?
Members have the ability to deposit a check using their smart phone. You may enroll by downloading the HCU mobile app. You may also enroll over the phone by calling us at 217-726-8877. If you are experiencing issues with enrollment, please review the following requirements:
- You must be a member of the CU in good standing for at least 90 days.
- Passwords must be 8-20 characters.
- Usernames cannot be duplicated.
- If you have more than one account, each account must have its own username.
Remote Deposit FAQ
How will I know if my enrollment is approved?
You will receive a confirmation email once your enrollment in Mobile Deposit has been approved.
How long should I keep check?
Please keep the original check for 62 days, noting that the check has already been deposited to avoid duplication.
When will a deposit post to my account?
Approved deposits are not immediately posted to your account. Deposits will be posted by 10:00 am/1:00 pm/5:00 pm Monday-Friday and by 9:30 am and 12:15 pm on Saturday. Any deposit made after 4:30 pm on Monday-Friday will not post until the following business day. Any deposit made after noon on Saturday will not post until the following business day.
How do I know if a deposit has been approved or rejected?
You will be able to tell the status of your deposit by logging in to Mobile Deposit and selecting the ‘Review’ screen.
What are the password requirements for Mobile Deposit?
Passwords must be between 8-20 characters.
Are there limits to what I can deposit using Mobile Deposit?
There are check limits in place for security purposes. The maximum dollar amount per item and per day is $2,500. The maximum number of items deposited per day is 5 and the rolling 30-day limit is $5,000.