FAQs

Like all HRCU Mobile Banking features, your transmissions are safe and secure. Check images are only stored on the phone until you complete your deposit. If you launch the App and take photos of a check in "Offline Mode," the check image is stored on the phone until the next time you log in to the App and submit the deposit. For this reason, it is important that you take appropriate steps to protect the security of your phone like:

• Password protect your mobile device
• Keep your mobile device in a secure spot when not in use
• Secure your login information
• Let HRCU know immediately if you think your login information has been compromised

No. The Mobile Check Deposit program generates an electronic record for HRCU with each deposit.

Yes, please keep your check for 90 days after the date of deposit.

Download our Holy Rosary CU Mobile Banking App from the App Store (Apple) or Google Play (Android).

Sign the back of your check and, underneath your signature, write, "Mobile Deposit at HRCU"

• Open your HRCU Mobile App
• Select Deposits
• Select the account for deposit
• Follow the screen Prompts
• Capture front of check image
• Capture back of endorsed check
• Enter the Amount of the Deposit
• Submit Deposit

There is no fee to install the HRCU Mobile Banking App. However, standard wireless carrier data and charges apply; so please make sure you understand the terms of your mobile agreement before using the App.

Deposit limits are assigned by your user profile and can be clearly seen on the check deposit screen. The longer your deposit history with us, the more flexible your assigned user profile will be. If you would like a more flexible profile, select the mail icon in the top righthand corner of the App and send us a message with that request.

The account number and password used to log in to the Mobile Banking App is the same account number and password used to log in to Online Banking. If you're not yet enrolled in Online Banking, you can sign up from our website or within the App.

Only photos taken within the HRCU App can be used for deposits. After you log into the App, choose the deposit account and enter the deposit amount, you will be prompted to use the camera on your device to take a photo of the front and back of the check. Photos taken outside of the App cannot be used for deposits.

Rogue Apps are developed by fraudsters and are designed to look and feel like legitimate financial institution Apps. They've been used to trick users into supplying account information in order to perpetrate fraud. The HRCU Mobile Banking App will only ask for your account number and password for authentication purposes. From there, the only other information you'll be asked for is identification of the deposit account, the amount of any check, and to take pictures of the front and back of each check. You will never be asked for other private information including your full Social Security number, credit or debit card numbers or PINs, etc. If you download an App that you believe is an HRCU App and it asks for personal information beyond what you expect, contact HRCU immediately, then delete the App from your device. Do not supply the requested information to the App.

You can chat with us or give us a call over the phone or Video Banking during regular business hours. You can also send us a message.

• Account must be in good standing
• Must be enrolled in Online Banking
• Must have a qualified device and the HRCU Mobile Banking app installed
• Must endorse check correctly, by writing "For Mobile Deposit at HRCU" under your signature.

Mobile Check Deposit makes depositing a check as simple as taking a photo (after endorsing correctly, of course!). Simply follow the prompts on the app and take photos of the front and back of your checks with your Android or Apple device and make secure check deposits to your Holy Rosary Credit Union account. 

Please read the following tips to make sure your check deposit transaction is as smooth as possible:

• Place the check on a flat, well-lit surface that contrasts with the check color (if your check is white, take the picture on a black table).
• Take each picture from directly above the check and not at an angle. Rotate your device to landscape mode when taking the picture.
• Take each picture as close as possible, while ensuring that all four corners of the check are visible in the frame.
• Make sure each picture is properly focused and not blurry.
• Make sure your camera resolution is set to at least 1024 x 768.

Mobile Check Deposit can be made to a personal checking, savings or money market account.

Only single-party domestic checks made payable to the owner(s) of the account may be scanned for deposit with Mobile Check Deposit. The following is a list of unacceptable items that may not be scanned and deposited with Mobile Check Deposit:

Holy Rosary Credit Union Check Drawn on Your Personal Account – Online deposits of this nature may subject you to criminal prosecution.

Third Party Checks – Checks payable to someone else, endorsed and signed over to you.

Incomplete Items – Checks that do not contain signatures of the maker, endorsement signatures, or that are missing any other required information.

Non-Negotiable Items – The online deposit of any item stamped with a "non-negotiable" watermark is PROHIBITED. Online deposits of this nature may subject you to criminal prosecution.

Returned Checks – Any check that you deposit that is returned to us not payable as a result of insufficient funds, stop payment, or other related reasons.

Altered Checks – Any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check.

Foreign Checks – Any check that is issued to you and drawn on a financial institution in another country (Canada, France, etc.).

Stale Dated Checks – Certain checks contain instructions such as: "Void 90 days after issue date." If no instructions are contained, then the check is stale 6 months after the issue date.

The total amount of deposits made with Mobile Check Deposit less any holds that apply will be credited following the schedule contained in our Mobile Remote Deposit Capture Services Terms and Conditions. Please find a brief summary below:

Depending on your risk profile and deposit history with us, the first $200 of any check(s) deposited using the Mobile Check Deposit Service will generally be available on the first business day following the date on which the deposit is received and posted to your account. Any additional funds will not be available until at least the (third) business day following the date that the deposit is received and posted to your account.

*There could be times that the program may flag a deposit for manual review and release by credit union personnel (i.e. image is not clear when received at the Credit Union, etc.). If this happens, you will see the deposit under the Deposit History tab as "Submitted Deposit" and you will not see the deposit reflected in Mobile or Online Banking until a Credit Union representative reviews and releases the deposit. The manual review process will occur on:

The same business day for manual review items submitted before 3:00p.m., or the next business day for manual review items submitted after 3:00p.m. on a normal business day (Monday through Friday, excluding holidays) or those submitted on a weekend or holiday.

If you have questions on a hold, you can call us to see if it is possible to release a hold earlier.