Deposit Checks From Wherever You Are
Why make a trip to the credit union just to deposit a check?
With Remote Deposit Capture (RDC) from Circle Federal Credit Union, eligible members can deposit checks directly from their smartphone using the Circle FCU Mobile App.
Simply take pictures of your check, enter the deposit information, select the account you'd like the funds deposited into, and submit.
Snap. Submit. Done.
Banking That Comes to You
Your schedule doesn't always make it convenient to visit a branch.
Remote Deposit Capture gives you another way to deposit eligible checks without having to drive to a Circle FCU location.
Whether you're at home, at work, traveling, or simply can't make it to the branch, you can submit a check deposit through the Mobile App.
Deposit From Anywhere
Submit eligible checks using your smartphone instead of visiting a branch.
Convenient & Simple
The process only takes a few steps through the Circle FCU Mobile App.
Choose Your Account
Select the eligible sub-account where you want your check deposited.
Track Your Deposits
Review your Mobile Check Deposit History to see previously submitted deposits and their current status. Circle FCU's system provides the last 30 days of mobile-deposit transactions in the history section.
How Remote Deposit Capture Works
From Check to Deposit in Just a Few Steps
Once you're approved for Remote Deposit Capture, depositing a check through the Mobile App is straightforward.
1. Open the Circle FCU Mobile App
Log in to the Circle Federal Credit Union Mobile App.
2. Select Deposit
Choose Deposit from the bottom toolbar.
3. Follow the Deposit Prompts
The app will guide you through the mobile deposit process.
4. Endorse Your Check
Before taking your photos, endorse the back of the check with:
FOR RDC ONLY - Circle FCU
Then add your signature.
This endorsement is required for Circle FCU's Remote Deposit Capture process.
5. Enter the Check Amount
Enter the exact dollar amount shown on the check.
6. Take Photos
Take clear pictures of both the front and back of the check.
7. Select Your Account
Choose the eligible sub-account where you want the deposit to go.
8. Submit
Review your information and submit the deposit.
Circle FCU processes checks throughout the day, and you can monitor the deposit through your Mobile Check Deposit History.
How to Enroll in Remote Deposit Capture
Getting Started is Easy
Before you can make your first mobile deposit, you need to enroll in Remote Deposit Capture through the Circle FCU Mobile App.
Step 1 — Open the Mobile App
Download and open the Circle Federal Credit Union Mobile App.
Step 2 — Select “Deposit”
Choose Deposit from the bottom toolbar.
Step 3 — Select “Register/Sign-Up”
Follow the prompts to submit your RDC enrollment request.
Step 4 — Wait for Approval
Check back within 24 hours during business days to see whether your enrollment has been approved or denied.
With RDC, you can deposit your checks by simply taking a photo of your check with your mobile device and submitting the deposit through our Remote Deposit Capture (RDC) program in our Mobile App.
Step 5 — Start Depositing
Once approved, follow the Mobile App prompts to submit eligible checks.
Before You Deposit a Check
Make Sure Your Check Is Ready
Taking a few extra seconds before submitting your deposit can help prevent processing delays.
Endorse the Back
Write:
FOR RDC ONLY - Circle FCU
above your signature.
Check the Amount
Make sure the amount you enter in the Mobile App exactly matches the amount written on the check.
Make Sure the Check Is Readable
The check should be in good condition and all important information should be clearly visible.
Use Good Lighting
Place the check on a flat, well-lit surface when taking your pictures.
Keep All Four Corners Visible
Make sure the entire check fits within the photo frame.
Avoid Blurry Images
Hold your phone steady and make sure the check is in focus.
These steps can help reduce the chance that your check image will be rejected.
What Happens After You Submit?
Keep Your Check Until the Deposit is Confirmed
Submitting your check through Mobile Deposit doesn't mean you should immediately throw the original away.
Circle FCU recommends keeping the original check until you have confirmed that the funds have been deposited into your account.
Once the deposit has been confirmed, safely destroy the original check to help prevent it from being deposited again.
A Simple Process
Submit the check
↓
Monitor your deposit
↓
Confirm the funds are in your account
↓
Safely destroy the original check
When Will My Funds Be Available?
Deposits Are Posted Throughout the Day
Mobile deposits are posted to accounts throughout the day.
If there is an issue with your deposit, you should receive information about it through your Mobile Check Deposit History.
Funds availability is subject to Circle FCU's applicable mobile-deposit terms, User Agreement, and funds-availability policies.
For specific information about when funds from a particular deposit will be available for withdrawal, review the applicable funds-availability policy or contact Circle FCU.
If you need assistance with a deposit or have a question about a check, visiting a Circle FCU branch may still be the better option.
