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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 4.4 out of 5 by 452.
Rated 5 out of 5 by from Best mobile deposit out there I'm a new member and have been sticking with $200 deposits at a time because many banks and CUs only want to do the minimum required by law and place a hold on whatever amount is over $200. Not DCU! I deposited a $1k check today and it cleared in 15 min!! It not only showed as current balance, it became available for use. That is really fast! My local, $20 billion bank holds deposits till the next business day even when the check is drawn from itself! Totally greedy and customer unfriendly, unlike DCU. DCU is great. The app also OCRs the front page of the check and finds errors in advance so that you are able to prevent technical issues. That is another big plus. You can also adjust brightness of the check scan in-app to help the OCR do better. My one and only minor gripe with DCU's mobile deposit system is that the required endorsement is crazy long. I'm going to get a rubber stamp made for that, though, so it's not going to be a problem for much longer.
Date published: 2018-05-01
Rated 5 out of 5 by from this is the way to go I only use this feature now for check deposits, it allows you to get it done from anywhere any time. think is the best service overall.
Date published: 2018-04-09
Rated 5 out of 5 by from It's easy and works good I've only used this feature twice and both times it went fine. The first time it took about 2 hours to show into my checking account and the second time it took about 15 minutes (maybe they were less busy the second time). There is a deposit limit so be aware of that. Mine is $5k per day (it's either per day or per check. Per day I believe) but if you ever have a higher amount you can request a temporary increase and they will approve one for a few hours so you can deposit a specific check. After the money clears into your account I personally write processed on the check and keep it for a few months then shred it. Easy peasy especially since there is no physical DCU presence in Ohio, although they do have partnership credit unions nearby, but why bother? I just do everything from home!
Date published: 2018-03-20
Rated 5 out of 5 by from I use this all the time. Very easy and makes banking easy. No waiting in lines for teller... Great product..
Date published: 2018-01-25
Rated 5 out of 5 by from Easy to Use Deposit Feature I like the way the camera takes the picture of the check without any difficulty.
Date published: 2017-07-13
Rated 5 out of 5 by from I use this all the time. I use this service for my deposits and have not been to a branch for deposit in over 6 months. It is easy and quick. When there has been an issue it was resolved within hours.
Date published: 2017-05-28
Rated 5 out of 5 by from Excellent service - some problems with different sizes for the front and back of checks Overall easy to use and a great service for me as we live in a very remote area. Occasionally have trouble with miss-matched images of the front and back of the checks, causing me to have to edit the pictures. Other than that works fine.
Date published: 2017-05-27
Rated 5 out of 5 by from Quick & Easy! I love the direct deposit feature. It works efficiently, and is so easy to use. I love how convenient it makes depositing checks, because I don't live very close to a branch. The deposit goes through fairly quickly as well, usually within a few hours, if not, then the next day.
Date published: 2017-05-27
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What is the maximum and minimum amount of a check that can be deposited online?

Is there a minimum and a maximum amount that can be deposited online?
Asked by: JDH
Maximum is $5000.
Answered by: entropypawsed
Date published: 2017-07-22

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: Bill
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: Angie
Date published: 2016-10-15

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

Asked by: Steph
I've used the service twice. First time it took under 2 hours. The next time it took less than 15 minutes.
Answered by: johnny
Date published: 2018-05-26

is there a limit to how many checks I can deposit in a day?

Is there a limit to how many checks we can deposit in a day? If so, how can we get around that?
Asked by: Mark
No Mark there is no limit at least I have not reached one time I deposited 10 in one day.
Answered by: Billio
Date published: 2017-07-22

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: Jleatham
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: Angie
Date published: 2016-10-15
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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