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What types of checks can I transmit using Remote Deposit Capture?

August 7, 2018


Single-party domestic checks made payable to the owner(s) of your Franklin-Oil Region Credit Union account. IMPORTANT NOTE: These items CANNOT be deposited using Remote Deposit Capture. Some of these items may be accepted in our branches:

  • Checks payable to any person or entity other than the person or entity that owns the account where the check is being deposited;
  • Any third-party check, i.e., any item made payable to another party and then endorsed to you by that party;
  • A check drawn on your personal account at the credit union;
  • A check to a personal account made payable to a business;
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn;
  • Checks payable jointly, unless they are deposited to an account in the name of all payees;
  • A check stamped “nonnegotiable” (whether stamped in print or as a watermark);
  • A check that has been redeposited or returned, such as “nonsufficient funds” or “refer to maker” or returned for any other reason;
  • Checks previously converted to a substitute check, as defined in Reg CC;
  • Checks drawn on a financial institution located outside the United States;
  • Checks that are remotely created, as defined in Reg CC;
  • Any item that is incomplete;
  • Checks payable on sight or payable through Drafts, as defined in Reg CC
  • Checks not payable in United States currency;
  • Checks dated for more than 6 months prior to the date of deposit;
  • A check that is post-dated after the date of deposit;
  • Checks with no endorsement or any other endorsement other than that specified in the agreement;
  • Checks previously submitted using FORCU’s Remote Deposit Capture service or through a remote deposit service offered at any other financial institution;
  • Checks or items that are drawn on or otherwise issued by the U.S. Treasury Department
  • Cash;
  • Savings Bonds;
  • Any item with a qualified or conditional endorsement