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Remote Deposit Capture: FAQs

Q. What is Remote Deposit Capture?

Remote Deposit Capture is a convenient deposit service that allows you to use Legacy’s Mobile Banking Application to make check deposits from any location with secure Internet access.

Q. What are the benefits of using Remote Deposit Capture?

Remote Deposit Capture offers you the convenience of making deposits on your time schedule and in the comfort of your own home, office or even on the go. You no longer have to drive to your branch and wait in line to deposit checks saving you both time and money.

Q. What are the fees for this service?

Remote Deposit Capture is provided to our members free of charge.

Q. How does Remote Deposit Capture work?

Remote Deposit Capture enables you to deposit checks from your home or office using Legacy’s Mobile Banking application in conjunction with your smartphone’s camera. No software or special equipment is required.

Q. When are Remote Deposit Capture items processed?

Items received before 3:00 P.M. CST Monday – Friday will be posted the same business day. Items received after 3:00 P.M. CST Monday – Friday will be posted the following business day.

Q. Can I view a statement or history of deposits?

Yes. Once logged into your Legacy Mobile Application click on the ≡ Menu button in the upper left hand corner.  Then choose Deposit. In the upper left hand corner of the deposit screen touch the ⁞ button and select deposit history.  Then select the deposit you wish to view.

Q. Do I need to sign an agreement before I can start using Remote Deposit service?

You do not need to sign an agreement, but you must agree to the Terms and Conditions for Remote Deposit included in the Online Banking agreement.

Q. Can I scan a check right away?

Yes, immediately after you access Remote Deposit capture for the first time.  Legacy reserves the right to refuse any item or place holds on any deposits using remote deposit capture.  If an item is refused you can see this in your Deposit History.  Once logged into your Legacy Mobile Application click on the ≡ Menu button in the upper left hand corner.  Then choose Deposit. In the upper left hand corner of the deposit screen touch the ⁞ button and select deposit history.  This will list all deposits made by RDC and it will show accepted, pending or rejected.  You can check your account history to see if a hold was placed on the deposit.

Q. How do I log into Remote Deposit Capture?

Just make sure you have the most resent version of our Mobile Banking Application.  Once you log into the application you will see Deposit as a menu choice.

The system will walk you through each step to make your deposit.

Q.  How should I endorse my checks?

Checks must be endorsed as follows:

For Remote Deposit Only
Legacy CFCU Acct #XXXXXX
Your Signature

Q. What types of accounts can I scan deposits into?

Checks can be scanned into your shares or checking (share draft) accounts.

Q. What types of checks can I scan using Remote Deposit Capture?

Single-party domestic checks made payable to the owner(s) of your Legacy Community Federal Credit Union account.


These items CANNOT be deposited using Remote Deposit Capture. Some of these items may be accepted in our branches:

  • Checks that need a verification or authorization number (ex: tax checks, COM checks, etc.)
  • Items stamped “non-negotiable”
  • Incomplete checks
  • U. S. Treasury
  • Stale-dated checks (more than 6 months old)
  • Post-dated checks (dated for a future day)
  • Any checks that appear to be altered
  • Checks purporting to be a lottery or prize winning
  • Checks previously submitted using remote deposit capture

Q. How many checks can be included in one deposit?

Only one check can be submitted at a time with Remote Deposit Capture.

Q. Can multiple deposits be submitted during one day?

Yes. However, there may be a business day hold placed on all the items deposited that day.

Q. How far back can I get copies of the checks I have scanned?

Remote Deposit Capture contains copies of checks scanned over the past 90 days. They are available on your Deposit History page.

Q. Will holds be placed on checks submitted through Remote Deposit Capture?

Legacy reserves the right to hold any deposit submitted through Remote Deposit Capture as outlined in the Terms and Conditions of the Remote Deposit Capture Agreement.

Q. Can I expect that all checks will scan correctly? 

No. Variations in check sizes, colors and designs can impact the readability of a check. The scanned check images may be too dark after they are converted to black and white by the service image. NOTE: It is for this reason that we recommend that you keep your check intact for 90 days after you remotely deposit it.

Q. What should I do with a check once it has been scanned successfully?

Store it in a secure location for at least 90 days, and then shred the check.

Q. I made a deposit in the morning and got an overdraft fee that day.

Debit and ACH transactions can be posted throughout the day.  Remote Deposit Capture items are posted between 3 PM and 5 PM CST daily.  If a scanned deposit was posted after the debit transaction was presented, the deposit was not yet available to pay the debit transaction, which could result in an overdraft. Debit transactions (debit card, checks, or ACH transactions) should not be authorized prior to when you have funds available in your checking account for those items to clear.

Q. I scanned a check, and then I received an email instructing me to deposit my check at the nearest branch office.

The scanned check might have been outside the criteria for your account. There can be various reasons for this, but it could be due to the check image simply being illegible. Therefore, the check should be deposited at one of our branches. If you have any questions or concerns, contact us at [email protected] , 930-5000 or 1-800-828-0103.

Q. The amount I entered for a deposit is different from the amount I received as a credit.

After reviewing the deposited item, it was determined that the amount entered was different from the legal (written) amount on the check. You should refer to the image on your Deposit History page to verify this information. If you still have a question, contact us at [email protected], or call 205-930-5000 or 1-800-828-0103 during regular business hours.

Q. When I scan a particular check, I can see the check image, but the written information is blank.

Some ink colors are too light for scanners to read. This may also be the result of the check having been written with a gel pen. If you are unable to view the written information on your computer screen, you should bring the check to one of our branch offices. In Mobile Deposit, the image will be rejected immediately and will not be processed. Please endorse checks using black or blue ink. Checks written in colors other than black or blue ink may not scan properly.

Q. Why do I keep getting timed-out while I’m in a Remote Deposit Capture session?

Your Remote Deposit Capture session will time-out after 15 minutes of inactivity. Please try to complete your deposit within 15 minutes.

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