Frequently Asked Questions | Rize Credit Union

What’s Remote Deposit?

Remote deposit lets you deposit checks directly into your Credit Union account using your smartphone or tablet – anytime, anywhere. It’s free for eligible members and available through our mobile app for Android and Apple devices.

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

Tip: 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 or by calling 800.866.6474 – we’re here to help!

Who’s eligible for Remote Deposit and what do I need to use it?

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 – from anywhere!

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

Do I need to endorse the back of the check when using Remote Deposit?

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!

How can I ensure my check image is readable while using Remote Deposit?

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!

How will I know my check was deposited successfully through Remote Deposit?

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 or by calling 800.866.6474 – we’re happy to assist.

How soon will my funds be available using Remote Deposit?

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 or by calling 800.866.6474 – we’re always happy to help!

What’s the cut-off time for Remote Deposit?

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!

What do I do with my check after I deposit it through Remote Deposit?

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.

What’s the limit on deposits made through Remote Deposit?

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 or by calling 800.866.6474 – we’re happy to help!

What items are ineligible for Remote Deposit?

The following items cannot be deposited through remote deposit:

Cash or 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 or by calling 800.866.6474 – we’re happy to help!

Is there a fee to use Remote Deposit?

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 or 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 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 location, 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 or by calling 800.866.6474. We’ll help sort it out quickly and make sure everything stays on track.

Code	Description
BAL	Primary account balance
BAL ALL	All account balances
BAL CHK	Balances for checking accounts
BAL SVG	Balances for savings accounts
LAST	Last five transactions on primary account
TRANS	Transfer funds
STOP	Unsubscribe from service
HELP	Information on using service

Code

Description

BAL

Primary account balance

BAL ALL

All account balances

BAL CHK

Balances for checking accounts

BAL SVG

Balances for savings accounts

LAST

Last five transactions on primary account

TRANS

Transfer funds

STOP

Unsubscribe from service

HELP

Information on using service

What is Zelle^®?

Zelle^® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.¹ With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

How do I enroll and use Zelle^®?

You can send, request, or receive money with Zelle^®

To get started, log in to digital banking, navigate to Pay & Transfer and select “Send Money with Zelle^®.” To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account and then you will receive a one-time verification code. Enter it and you’re ready to start sending and receiving with Zelle®.

To send money using Zelle^®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes if they are already enrolled in Zelle^®.¹

To request money using Zelle^®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.” If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.

How does Zelle^® work?

When you enroll with Zelle^® through digital banking, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle^®(no sensitive account details are shared – those stay with Rize Credit Union).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® looks up the email address or mobile number in its “directory” and notifies Rize Credit Union of the incoming payment. Rize Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.

How long does it take to receive money through Zelle^®?

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.¹

If you send money to someone who isn’t enrolled with Zelle®, they’ll receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient’s account, typically within minutes.¹

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please connect with us through digital banking or call us at 800.866.6474 during regular business hours.

Can I use Zelle^® internationally?

To use Zelle^®, the sender and recipient’s bank accounts must be based in the U.S.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.²

Is my information secure?

Keeping your money and information safe is a top priority for Rize Credit Union. When you use Zelle^® within digital banking, your information is protected with the same technology we use to keep your bank account safe.

How do I receive money that someone sent me with Zelle^®?

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes^.1

If you have not yet enrolled with Zelle^®, follow these steps:

Click on the link provided in the payment notification you received via email or text message.
Select Rize Credit Union

Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle^® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

What if I get an error message when I try to enroll an email address or U.S. Mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. You may use an email address or U.S. mobile phone number not currently enrolled or connect with us through digital banking or call us at 800.866.6474 and ask to move your email address or U.S. mobile phone number to Rize Credit Union so you can use it for Zelle^®.

Once member support moves your email address or U.S. mobile phone number, it will be connected to your Rize Credit Union account so you can start sending and receiving money with Zelle^® through your digital banking.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending, go to your activity page, choose the payment you want to cancel and select ”Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, connect with us through digital banking or call us at 800.866.6474 to see if we can help.

How do I use a Zelle^® QR code?

Zelle^® QR codes provide peace of mind knowing you can send money to the right person, without typing an email address or U.S. mobile number.

Find Zelle in digital banking, navigate to Pay & Transfer and select “Send Money with Zelle^® click “Send,” then click on the QR code icon displayed at the top of the “Recipients” screen. Your phone’s camera will open.

To send money using a Zelle^® QR code, simply point your camera at the recipient’s Zelle^® QR code, enter the amount and hit “Send,” and the money is on the way!

When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money. You can also locate your Zelle^® QR code by opening the Rize Credit Union app, navigating to “Send Money with Zelle^®” and clicking your Zelle® settings. From here, you can see your Zelle^® QR code.

Who can I send money to with Zelle^®?

Zelle^® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your bank account to another person’s bank account within minutes, Zelle^® should only be used to send money to friends, family and others you trust.¹

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Rize Credit Union nor Zelle^® offers purchase protection for payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected.

What if I want to send money to someone whose financial institution doesn't offer Zelle^®?

You can find a full list of participating banks and credit unions live with Zelle^® at zellepay.com/get-started.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S. based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

What are scheduled and recurring payments?

We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by but are a separate service from Zelle^® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Are there any fees to send money using Zelle^®?

Rize Credit Union does not charge fees to send or receive money with Zelle^®, but there is a fee to cancel a Zelle^® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. Your mobile carrier’s messaging and data rates may apply.

Are there any limits for sending and receiving money with Zelle^®?

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine send limits, connect with us through chat, digital banking or call us at 800.866.6474.

There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

Do you offer Zelle^® for businesses?

At this time, Zelle^® is only available for personal accounts. While we don’t currently offer it for business use, we do have a variety of other payment options to help you manage your business finances. If you’d like help finding the right solution, we’re happy to assist!

Stay secure… protect your password

FAQs