DeposZip

DeposZip is a JHFCU Online and Mobile Banking check depositing feature. Qualified members* can simply upload a picture of a check and deposit it into their JHFCU account without visiting a branch or an ATM. This service can be used from home, work, or a mobile device to make deposits 24 hours a day to your JHFCU account(s). That means no more mailing checks, or ATM/Branch visits for a deposit. Whether it’s 12:00 a.m. or 12:00 p.m., our virtual doors are open for many of your banking needs!

Important Depositing Tips:

  1. Endorse the back of your check properly. Please see below for more details.
  2. Store your check(s) in a safe place for 14 days after receiving confirmation that your deposit has been accepted.
  3. After 14 days, write “Void” on each check you deposit, then destroy or file.


How it works:

Mobile

1. Open your JHFCU App and select “Check Deposit”
2. Select the account to receive the deposit
3. Enter the check amount**
4. Snap a picture of the front and back of your endorsed check
5. Tap “Submit”

Computer

How to SCAN checks: For Internet Explorer Only
Using Microsoft Internet Explorer, you can SCAN checks using Active X controls or a Java applet. For first-time access to the new DeposZip site, Active X is the default option. To select Java, click on the “Enable Java” button on the top right. Your selection will be remembered and will be the default for subsequent visits to the DeposZip site.

1. Ensure that each check is properly endorsed. (Endorsement instructions are available on the help screen.)
2. Start a new deposit by selecting the ADD NEW DEPOSIT button**
3. Select the SCAN button. (Information on how to adjust the scanner settings for best performance is available on the help screen.)
4. Choose a scanner from the dropdown list and select the SCAN button
5. Review scanned images by using the FIRST, PREVIOUS, NEXT, or LAST buttons.
6. Correct orientation, image quality or other errors using the ROTATE, CROP, or DELETE buttons. (A list of common image quality errors and troubleshooting suggestions are available on the help screen.)
7. Select the SAVE button to continue
8. Review the deposit. If there are any items denoted with a red circle, you must correct them before proceeding
9. Select SUBMIT when you are done

How to LOAD check images: For all other browsers
For all other internet browsers or for Mac computers, you will use the LOAD button to upload front and back image files.

1. Capture check images using scanner utility tool or another predetermined method; save these images in a location to which you can browse
2. Ensure that each check is properly endorsed. (Endorsement instructions are available on the help screen.)
3. Start a new deposit by selecting the ADD NEW DEPOSIT button.
4. Select the LOAD button
5. Select the BROWSE button to choose front and back images captured in Step 1
6. Select the SAVE button to continue
7. Repeat steps 1 through 6 as necessary
8. Review the deposit. If there are any items denoted with a red circle1, you must correct them before proceeding
9. Select SUBMIT when you are done

You'll be notified automatically by email that we’ve received your check deposit. Regular holds apply, and check deposits go through a quality control verification process, to ensure they can clear. Keep your check(s) for two weeks just in case it’s needed for verification. After that, they should be destroyed.

 

 

Endorsing Your Checks:

All checks must identify the method of deposit. This is very important as you risk your check being returned or deleted if not properly endorsed. Please review the approved endorsements below:

For a Mobile DeposZip Endorsement:

  • Signature
  • Account Number
  • “For JHFCU Mobile Deposit”
  • Date submitted
     

For a Desktop DeposZip Endorsement:

  • Signature
  • Account Number
  • “For JHFCU via DeposZip”
  • Date submitted


How Much Can I Deposit?

The deposit limit per check is $7,500 and the daily deposit limit is $15,000.  The cumulative dollar deposit limit per 30 days is $50,000.

Individual check deposits larger than $7,500 can be accepted with prior authorization. Please send us an email at deposzip@jhfcu.org if you wish to deposit a check larger than $7,500 and we can potentially issue a temporary increase*. Note: DO NOT include secure account information in the email. Please provide the name listed on your account and a phone number in case we need to contact you.

View All DeposZip FAQs



*Basic requirements include a member in good standing and having a satisfactory history of managing their Johns Hopkins FCU account.
**
The deposit limit per check is $7,500 and the daily deposit limit is $15,000.  The cumulative dollar deposit limit per 30 days is $50,000. Funds deposited are subject to the Credit Union’s Funds Availability Policy. JHFCU Check holds apply. Some exclusions may apply. Checks over $7,500 accepted via mobile or online banking – contact us if check is larger for potential temporary increase.