What Can DCU Save You?

Online Deposit

Deposit checks anytime using your mobile device or PC scanner

  • Features
  • Details
  • Requirements
  • Reviews
  • Resources
Online Deposit Video

How to Use Mobile Check Deposit with a Smartphone or Tablet

Online Deposit Benefits

  • Deposit checks* anywhere, anytime for free using your
  • Built right in to Online Banking and Mobile Banking
  • Safe and secure
  • Saves gas, time, and stamps

Calculate how much Online Banking and Online Deposit can save you and the environment.

*Upon approval

"I don't have to visit a branch to deposit?!?!"

Open quote I love that I can either use my scanner at home or even my iPhone to scan in a check and deposit it without going to a branch!!! Close quote

— Ed, New Ipswich, NH

Online Deposit Details

Deposit checks from anywhere with DCU's Online Deposit! Online Deposit allows you to deposit checks from anywhere, anytime with your camera-equipped smart phone or tablet computer or a scanner attached to your PC or Mac.

Now you will never have to mail in your checks, drive to an ATM, or visit a Shared Branch again. The process is very simple and convenient. Below are some highlights about this outstanding service:

  • It's free and available 24 hours a day 7 days a week
  • Easy to use – deposit a check in less than 2 minutes
  • It's safe and secure within Online Banking and Mobile Banking
  • Help screens and video tutorials are available online
  • We email you when deposits are processed or if any adjustments are made
  • Funds are credited the same business day if submitted by the standard processing time
  • You will no longer need to fill out deposit slips or make photocopies of the checks you receive
  • Easily load check images into your accounting software
  • Copies of deposited checks are kept in Online Deposit for 18 months for easy retrieval

DCU is the Online Deposit pioneer. We introduced it in June 2008 – way before all the big banks. By March 2012, members had deposited more than $1 billion into their accounts. We hit that milestone before anyone.

Online Deposit Registration

To begin using Online Deposit, you'll first need to register online. Here's how:

  • To register on your computer
    • Log into Online Banking
    • Select the "Online Deposit" link in the top navigation bar.
    • Select "Register."
  • To register on your mobile device
    • Log into Mobile Banking
    • Touch the Deposit button on your screen
    • Choose the depositing account
    • Accept the Online Deposit Terms and Conditions.

Please note that you'll need to have a current email address on file with your Online Banking Account. Don't have one? Select User Options in Mobile Banking or Online Banking to update your information.

Once you've agreed to the DCU Online Deposit Disclosure and Agreement, please allow 1 business day for us to process your registration

Using Online Deposit with a mobile device

Once you have downloaded and installed the appropriate DCU Mobile Banking app on your compatible iPhone, iPad, or Android device and have registered for Online Deposit user through Online Banking, you can begin to deposit checks.

  1. Make sure the back of the check is endorsed with...
    • your signature
    • DCU member number
    • the account number where you'll deposit the funds
    • The phrase, "For Deposit Only at Digital Federal Credit Union, via dcu.org, on mm/dd/yyyy."
  2. Log onto Mobile Banking and select Deposit.
  3. Follow the onscreen instructions to enter the total amount of the check(s) to deposit, and photograph the front and back of the check. Once you receive an email confirming your deposit, write PROCESSED on the check(s) and store in a safe place. You can destroy deposited items after 60 days.

How to Use Online Check Deposit with a Computer and Scanner (video)

Using Online Deposit with a computer and scanner

Once approved, you can start using Online Deposit to deposit checks from your PC or Mac in 5 easy steps:

  1. Make sure the back of the check is endorsed with...
    • your signature
    • DCU member number
    • the account number where you'll deposit the funds
    • The phrase, "For Deposit Only at Digital Federal Credit Union, via dcu.org, on mm/dd/yyyy."
  2. Log onto Online Banking and select Online Deposit then proceed on the next screen.
  3. Choose the account you would like the check(s) deposited to.
  4. Use the "Choose Scanner" button to choose the appropriate scanner. Enter the total amount of the check(s) to deposit. Then, using your scanner, scan the front and back of the check and click Submit to continue to the Deposit Review step. Once you receive an email confirming your deposit, write PROCESSED on the check(s) and store in a safe place. You can destroy deposited items after 60 days.

How to Use Online Check Deposit with a Computer and Scanner (video)

Deposit processing time frames

  • Business hours for Online Deposit are 8:00 a.m. to 5:00 p.m., Monday through Friday Eastern Time, except holidays.
  • Checks submitted and approved for deposit prior to the end of our business day will be deposited to your account on the same day.
  • Deposits submitted after the end of our business day will be deposited on the next business day.

User Support

If you encounter problems or develop questions while using Online Deposit, our support team is here to help. Here's what you can expect:

  • Online Help – Select Help or "?" as you begin a transaction and you'll see information specific to the page you are on.
  • Online Support – Our eBranch support team answers virtually all emails we receive in 24 hours or less. LiveHelp is also available from Online Banking during normal support hours.
  • Telephone Support – For questions in regards to the Online Deposit service, please contact DCU's Electronic Services Department at 508.263.6700 or 800.328.8797.

"I love the convenience!"

Open quote I love the convenience of being able to deposit money into my checking account in anticipation of a check clearing at any time of the day or night. Close quote

— DJ64, Watertown, MA

Minimum Equipment and Software Requirements

Here's what you'll need to use Online Deposit...

With DCU Mobile Banking

You'll need a WIFI connection or a cellphone data plan with one of these devices...

  • iPhone® – Version 3.1.2 or newer with built-in camera, DCU's iPhone Mobile Banking app.
  • Android® devices – Android version 2.0 or newer with built-in camera and DCU's Android Mobile Banking app.
  • iPad® – iPad2 or newer and DCU's iPad Mobile Banking app.

With DCU Online Banking

You'll need...

  • A TWAIN-compliant scanner – Can be a stand-alone scanner or an all-in-one printer with scanning capabilities
  • A PC or Mac with a high speed internet connection
    • PC running Windows XP, Vista, or Windows 7 with Internet Explorer 8 or newer, Mozilla Firefox 2 or newer, or Chrome
    • Mac running OS X 10.5 or newer with Apple Safari 3.1 or newer or Mozilla Firefox 3 or newer.

Online Deposit is rated 3.8 out of 5 by 112.
Rated 5 out of 5 by from Easy to use Very easy to use just enter in the amount of the check you are depositing, take picture of the front and back of your check then click enter. That is it no more driving to the bank and waiting in line for me anymore!!!
Date published: 2016-08-13
Rated 5 out of 5 by from Deposits Living in NJ its difficult to get to a bank associated with DCU...banking with my mobile phone is so convenient. I've been associated with DCU for 33 years and we've come a long way together.
Date published: 2015-07-14
Rated 5 out of 5 by from On-line Deposit & Banking, best in USA I have been using DCU since I landed at SFO Bay Area, came to America from Singapore. I was used to of fast and efficient Banking Service in Singapore and I found DCU a close matched - never dis-satisfied in last 15+ years. DCU Is the very best for all my Banking Needs. I love DCU
Date published: 2015-06-08
Rated 5 out of 5 by from Simple and Sweet I have used this a number of times, very easy, simple and quick. It is features like this that attract customers... Very nice job on usability and time savings. Ravi
Date published: 2015-03-03
Rated 5 out of 5 by from Required this App for Windows Phone Hi Team, Iam extremely Happy about the DCU service I receive till date, I would be even more happy if I get Windows Phone edition of this Check scan application so that I can download and use the same. Hope the respective team will take this as a request and provide me the application. Thanks in advance ! Regards, Bala
Date published: 2015-03-03
Rated 5 out of 5 by from Great First Time Car Buyer Experience I just bought a car and it was financed through DCU.. This was my first car and first financing experience. Sandy, the Customer Service Rep, was pleasant, thorough and made my experience one that will bring me back when I need financing again. She offered other products we didnt think of such as DCU car insurance. If you are a first time car buyer, you should try DCU. There are a few perks that go along with your loan and it's quick and very easy. Great job DCU, you should commend your employee Sandy on providing fantastic customer service and product knowledge. The Leominster Branch is very in-tune to your products and services!!!
Date published: 2014-09-05
Rated 5 out of 5 by from Convenience, convenience, convenience! Use it all the time. Start saving time, money, gasoline..
Date published: 2014-06-12
Rated 5 out of 5 by from So easy and saves so much time. Saves me from having to go to the Branch Office to cash checks. How much more convenient can it be?
Date published: 2014-03-18
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What do I do with the checks I used mobile deposit on?

I just did my first mobile deposit and I have two checks left sitting around. What do I do with them?
Asked by: Anonymous
After I do my mobile deposit and I see the money in my bank account I shred the checks and throw them away so I don't have a pile of checks laying around that I don't need.
Answered by: Anonymous
Date published: 2016-10-15

If I deposit my check using online deposit how long will it take before funds are available

I know when you use ATM deposit it takes a few days for the check to clear .. My question is how long will my check take to clear if I use online deposit?
Asked by: Anonymous
I have done my deposits in the moring and at 4pm. The check has always been put into my account the same day. I think if you do it after bank hours then it will be the next day.
Answered by: Anonymous
Date published: 2016-10-15

how can I view a check that I deposited with my iPhone, once it's accepted?

Asked by: Anonymous
I go into my DCU app put my password in then I go to where I asked the check to be deposited. I always put in in my checking account so I click checking account when it opens I click recent transaction look for the amount I deposit then click that and a picture of the front and back of the check is there to view.
Answered by: Anonymous
Date published: 2016-10-15

can I use online deposit to deposit a check signed over to me?

If my husband signs his paycheck over to me (and he signs it and writes "pay to the order of") can I deposit it online?
Asked by: Anonymous
The PC DEPOSIT SERVICES DISCLOSURE AND AGREEMENT effective March 1, 2009 specifically disallows this type of check in sections 11.4 and 15.7 of the Terms and Conditions, so I am surprised to see the response that it is okay. I agreed to these terms on 4/2/2009. Can someone from DCU advise if the terms were updated since then?
Answered by: Anonymous
Date published: 2016-08-28

After I deposit my check using my IPhone, how long until those funds are available?

Asked by: Anonymous
Deposits held for review will be available in your account within 1 business day. Most deposits are available once the deposit it released to your account. For larger deposits a hold may be placed on the funds.
Answered by: Anonymous
Date published: 2014-12-06
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"Brilliant service"

Open quote Makes life so much easier, saves me from a trip to the bank. Saving time = saving money. Great service Close quote

— Justin31, Roswell, GA

Video Resources

Related Online Deposit Links

  • DCU Text Alerts – We'll send you a text message to let you know that you are in danger of bouncing a check, your loan payment is due, or if your balance falls below a certain amount. You choose which alerts that you want to receive!
  • Mobile Banking – Access your DCU accounts with smart phones, iPads, and internet-connected devices.
  • Online Banking – Picks up where Mobile Banking leaves off when it comes to completely managing your DCU accounts.
  • Security Features – Here's how we protect your information and our systems.
  • Scheduled Maintenance – At off-peak times, we may take the system down for upgrades. Find out when the next times are.

Other Resources