Remote Deposit | Rize Credit Union

¿Qué es el Depósito Remoto, Remote Deposit?

Depósito Remoto te permite depositar cheques directamente en tu cuenta de Rize Credit Union usando tu smartphone o tableta, desde donde sea y cuando sea. Es gratis para miembros elegibles y está disponible en nuestra app móvil para dispositivos Android y Apple.

To get started, enroll in digital banking, then download the Rize app from the Apple Store o Google Play. Simply snap a photo of your check, follow the on-screen steps, and submit your deposit securely.

Consejo: Most deposits are subject to review and may have a daily limit. Funds are typically available within 1–2 business days, but check hold times may vary. If you have questions about availability or limits, just reach out through chat, digital banking, or by calling 800.866.6474 – we’re here to help!

¿Quién es elegible para Depósito Remoto y qué necesito para usarlo?

To use Remote Deposit, you’ll need to meet a few basic requirements:

Have an Android or Apple device with internet access and a camera
Be enrolled in digital banking
Have a Credit Union account in good standing with no history of negative activity

Once you’re set up, you can deposit checks quickly and securely – without visiting a branch!

Need access? If you meet the requirements but don’t see Remote Deposit in the app, just reach out through chat, digital banking, or by calling 800.866.6474 and we’ll be happy to help activate it for you.

¿Necesito endosar el reverso del cheque cuando uso Depósito Remoto?

Yes. To avoid delays, please endorse the back of the check and write:
“For Rize CU deposit only”

This endorsement helps ensure your check is processed quickly and securely. Let us know if you’re ever unsure – our team is happy to help!

¿Cómo puedo asegurarme de que la imagen de mi cheque sea legible al usar Depósito Remoto?

For best results, follow these tips when capturing your check image:

Place the check on a dark, flat surface free of any clutter
Make sure the entire check fits within the screen borders, front and back
Ensure the MICR line (the long string of numbers at the bottom) is fully visible
Leave a little space between the MICR line and the edge of the image

Taking a moment to get a clear photo helps your deposit go through without delays!

¿Cómo sé si mi cheque fue depositado correctamente a través de Depósito Remoto?

After you submit your deposit, you’ll see a confirmation message on your screen. You can also log in to digital banking to confirm it was received.

Keep in mind once your check is transmitted, it will go through a review process to ensure it can be fully processed. We recommend keeping the physical check in a safe place for 14 days before securely destroying it.

If your deposit is rejected, you’ll receive a notification in digital banking with the reason. If you have questions or need help, just reach out through chat, digital banking, or by calling 800.866.6474 – we’re happy to assist.

¿Qué tan pronto estarán disponibles mis fondos usando Depósito Remoto?

Up to $225 of your deposit is typically available immediately, with the remaining funds available by the second business day after the day of deposit.

All deposits are subject to review before final credit is issued. In some cases, additional delays may apply – especially for large deposits or if there’s an issue with the check image.

If a delay occurs, you’ll be notified through digital banking or contacted directly. If you have questions, just reach out through chat, digital banking, or by calling 800.866.6474 – we’re always happy to help!

¿Cuál es la hora límite para hacer un Depósito Remoto?

There’s no strict cut-off for submitting a check, but deposits made after 3:00pm PST will be processed on the next business day.

Submitting your check earlier in the day helps ensure quicker review and availability of funds. Let us know if you ever need help tracking a deposit!

¿Qué debo hacer con mi cheque después de depositarlo a través de Depósito Remoto?

Once your check has been successfully submitted, it will be reviewed for processing. To be safe, store the check in a secure place for 14 days in case it’s needed for verification.

A good tip: keep a separate folder for checks you’ve already deposited to avoid mixing them up with ones that still need to be submitted. After 14 days, you can safely destroy the check – preferably by shredding.

¿Cuál es el límite de depósitos que puedo hacer a través de Depósito Remoto?

You can deposit up to five checks per business day, with a combined daily total limit of $10,000.

If you need to deposit more than that or have questions about your individual limits, feel free to reach out through chat, digital banking, or by calling 800.866.6474 – we’re happy to help!

¿Qué artículos no son elegibles para Depósito Remoto?

The following items cannot be deposited through Remote Deposit:

Cash o foreign currency
U.S. Savings Bonds
Third-party checks (payable to someone other than you)
Substitute checks (created from an electronic image)
Altered or irregular checks
Checks previously returned unpaid for any reason
Stale-dated checks (older than 6 months)
Checks drawn on foreign financial institutions or payable in a foreign currency

If you’re unsure whether a check is eligible, feel free to contact us before depositing through chat, digital banking, or by calling 800.866.6474 – we’re happy to help!

¿Hay algún cargo por usar Depósito Remoto?

No – Remote Deposit is free for eligible Rize Credit Union members through our mobile app.

To get started, simply enroll in digital banking, then download the Rize app from the Apple Store o Google Play and follow the steps to start depositing checks from anywhere. It’s fast, secure, and convenient – with no added cost!

Why is Remote Deposit not available within my mobile app?

If you don’t see Remote Deposit, it could be due to one of these reasons:

You’re not yet registered for digital banking
Deposit restrictions or holds on your account
Current or past collections on your account
Your account doesn’t meet our credit criteria
You’re using an outdated version of the app

What to do next:

Update your app: Make sure you’re running the latest version of the mobile app.
Verify your enrollment: Confirm you’re fully enrolled in digital banking and have accepted any Terms & Conditions.
Check your account status: If you’ve had any holds or collection activity, that can temporarily disable Remote Deposit.
Reach out for help: If everything above looks good or you need more information, connect with us through chat, digital banking, or by calling 800.866.6474. We’ll gladly review your eligibility and get you set up!

What happens if I mistakenly deposit the same check more than once?

If the same check is deposited more than once – whether through Remote Deposit, at a branch, or an ATM – your account will be adjusted to reflect a single deposit.

To avoid any unnecessary fees or disruption to your Remote Deposit access, please contact us as soon as possible through chat, digital banking, or by calling 800.866.6474. We’ll help sort it out quickly and make sure everything stays on track.

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