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.
Mobile Deposit Capture Questions
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.
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.
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.
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:
- Login to your bill pay account
- Select the ‘ACTIVITY’ tab
- You can download your completed payment history to a comma-separated values (CSV) file
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.
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.
If there is an error, you will receive an email notification that your deposit rejected and why.