What Can DCU Save You?

Online Deposit

Deposit checks anytime using your smartphone, tablet, or scanner




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Online Deposit

Online Deposit Benefits

  • Deposit checks* anywhere, anytime absolutely free using your...
    • iPhone® or Android® phone's camera,
    • iPad® or Android® tablet's camera, or
    • Computer and scanner
  • 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 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.

Using Online Deposit with a mobile device

Once you have downloaded and installed the approproate DCU Mobile Banking app on your compatible iPhone, iPad, or Droid 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.

These intstructions provide additional information for your device.

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...

  • On iPhones® – Version 3.1.2 or newer with built-in camera, DCU's iPhone Mobile Banking app.
  • On Droid® phones – Android version 2.0 or newer with built-in camera and DCU's Android Mobile Banking app.
  • On iPad® tablet computers – iPad2 or newer and DCU's iPad Mobile Banking app.
  • On Droid® tablet computers – Android version 2.0 or newer with a camera, and DCU's Android 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 3.9 5 108 108
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 June 8, 2015
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 March 3, 2015
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 March 3, 2015
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!!! September 5, 2014
Convenience, convenience, convenience! Use it all the time. Start saving time, money, gasoline.. June 12, 2014
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? March 18, 2014
Convenient, easy and fast to scan a check and deposit 24hrs 365 days Depositing a check was never a problem with me. DCU always sent me free prepaid deposit envelops, and now with the online deposit, it is much more convenient, easy and fast to scan a check and deposit 24hrs 365 days. My money gets into my account in no time. DCU Customer service is top of the line. I don't think any other Credit union bank can beat this service. I always feel that i am a part of DCU family. I have been a DCU customer since 1998 and never had any problems. February 12, 2014
Super Convenient! I've been using mobile banking from my iPhone for a couple years and it is incredibly easy. The camera has gotten much better and it really does only take a minute or two to deposit a check. Today I used Live Chat to ask a question about a deposit limit and as always I received superb customer service. Love DCU! August 15, 2013
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(14 Questions : 15 Answers)

Product Q&A

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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?
State: Maryland
Age: 25-34
DCU Member for: 5 to 10 years
1 year, 7 months ago
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lauren
baltimore
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Answer: 
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?
State: New York
DCU Member for: 5 to 10 years
 
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1 year, 2 months ago
Member avatar
by
David T.
Cedarhurst
+1point
1out of 1found this answer helpful.
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Answer: 
As long as, the third party check is payable to another individual (as opposed to a Business or Trust) and they have properly endorsed it over to you, then yes, it can be deposited using Online Deposit.
State: Massachusetts
 
Products related to my answer
 
1 year, 6 months ago
Member avatar
by
DCU Staff
Marlborough
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State: Massachusetts
Age: 55-65
DCU Member for: 5 to 10 years
 
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1 year, 11 months ago
Member avatar
by
Andornot
Worcester
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Answer: 
Although the check images must be scanned individually, you may submit a batch of scanned check images in a single deposit after scanning in the front and backs of each check individually.
State: Massachusetts
1 year, 11 months ago
Member avatar
by
DCU Staff
Marlborough
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State: Massachusetts
Age: 45-54
DCU Member for: Less than 1 year
1 year, 6 months ago
Member avatar
by
DonnaK
North Billerica
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Answer: 
To access deposited check images for deposits made through Online or Mobile Deposit, you will need to login to the full version of Online Banking, click the Online Deposit tab as if initiating a new deposit to your account, and once in Online Deposit, click the Deposit HIstory link to view check images for deposits made through this service.
State: Massachusetts
1 year, 6 months ago
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by
DCU Staff
Marlborough
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State: Oregon
1 year, 3 months ago
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Dave
Portland
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Answer: 
Online Deposit does impose daily and monthly limits, however, if you are using the full version, you may acknowledge the limit being reached and still proceed with making your Online Deposit. This just results in the deposit being reviewed before posting to your account. When the using Mobile Deposit app, if you need to make a deposit that exceeds your limit, please contact us and we will provide you with the needed increase to allow for the deposit to be made.
State: Massachusetts
 
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1 year, 3 months ago
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DCU Staff
Marlborough
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Need DCU mobile app for Windows phone for online check deposits. Please release DCU mobile app for Windows phone.
State: Oregon
Age: 35-44
DCU Member for: 10 to 20 years
10 months ago
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by
RD
Portland
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Answer: 
At this time we do not have a Mobile Deposit App available for the Windows Phone. We are monitoring the mobile market and continuing to investigate, but at this time we have not begun development on a DCU App for Windows.
State: Massachusetts
10 months ago
Member avatar
by
DCU Staff
Marlborough
0points
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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

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


Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825

    

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