Mobile Deposit Capture FAQ

New Horizons Credit Union is pleased to offer Mobile Deposit Capture through our Mobile App. Make deposits from anywhere at anytime! It is as easy as Point, Snap and Deposit! Please take a moment to review our FAQ below.

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Mobile Deposit Capture Questions

WHAT TYPES OF CHECKS CAN YOU DEPOSIT?

Any domestic check not drawn on your own New Horizons Credit Union account that is payable to the account holder and must have an endorsement on the back.  If checks are made payable to two people, both people must endorse the back and be on the account in order for the deposit to be accepted.  Checks may be rejected if they are incomplete, post-dated, stale-dated, made payable to a third party, stamped with a “non-negotiable” watermark or deemed to be fraudulent.  Savings Bonds are not eligible for Mobile Deposit Capture.

SHOULD I ENDORSE THE BACK OF THE CHECK?

Yes.  The endorsement must include your signature, your New Horizons account number and “RDC”.  If your check is not properly endorsed, the check may be rejected.

 

HOW LONG WILL IT TAKE FOR MY CHECK DEPOSIT TO BE ACCEPTED?

You will receive notification that the deposit has been accepted or rejected on the same business day unless the deposit is made after 4:30 pm, then you will receive notification by the end of the next business day.  Do not rescan your check prior to receiving this notification as it will be rejected.  If your deposit is rejected, you will received notification via email as to why the deposit was rejected.

HOW LONG WILL IT TAKE FOR MY CHECK TO POST TO MY ACCOUNT?

Many deposits made through the New Horizons Mobile Deposit Capture will post on the same business day once the check is reviewed and accepted.  Any checks sent through Mobile Deposit Capture after 4:30 p.m. will be posted on the next business day.  The funds may be available up to 5 business days depending on the type of check being deposited.

To download your bill pay data now, please follow these steps:

  1. Login to your bill pay account
  2. Select the ‘ACTIVITY’ tab
  3. You can download your completed payment history to a comma-separated values (CSV) file
IF I MAKE AN ERROR, SHOULD I RESCAN THE CHECK?

No, rescanning your check will, in most cases, add to the delay of posting the deposit to your account and may result in a revocation of your Mobile Deposit Capture access. 

HOW LONG SHOULD I KEEP MY CHECK?

The check should be kept until the deposit posts to your New Horizons Credit Union account.  Once deposited, you agree to destroy the check immediately.  If the check is returned for any reason, you are responsible for any loss the Credit Union incurs. 

WHAT IF THERE WAS AN ERROR DURING THE DEPOSIT OR WITH THE CHECK?

If there is an error, you will receive an email notification that your deposit rejected and why.

WHAT IF AN ERROR OCCURS DURING THE DEPOSIT AND I WANT TO SPEAK TO SOMEONE?

Please call or text us at 513-562-6600, 1-877-994-9972 or custser@newhorizonscu.com and we will be happy to assist you.