Scanning a Check for Deposit: Frequently Asked Questions

(Also see the Remote Deposit Capture Disclosure)

Q: What is DeposZip?

A: A secure service that allows you to scan paper checks from your desktop and electronically send the images to Freedom Federal Credit Union for deposit through Home Banking. This service is free for retail members and available to businesses for a small fee.

Q: Do I have to purchase special software to use DeposZip?

A: No, DeposZip is accessible to qualified members within Home Banking.

When making deposits through your computer, you must install either an ActiveX control or Java application on your computer in order for DeposZip to communicate with your scanner. Administrator rights may be required to install these controls. Users of Internet Explorer for Windows may opt to use either the ActiveX control or the Java application. Users of Firefox for Windows or MAC and Safari for MAC must use the Java application.

Internet Explorer for Windows Users The first time you use Deposzip look for the Information Bar at the top of your Internet Explorer browser window and follow the instructions. You will be prompted to install an ActiveX control called EZTwainX by Dosadi. You may opt to install the Java application by clicking on “Use the Java version instead” in the middle of your browser window. More Java information below.

Firefox for Windows/MAC and Safari Users The first time you use Deposzip you will be prompted to run the Java application rdcjava by Member-Data. Java 1.5.11 or higher is required to use Deposzip. If you do not have Java installed, you will be prompted to download the latest version of the Java software (free download:

Q: What are the minimum system requirements necessary to use DeposZip?

A: The minimum supported computer environments include:

Windows XP with Internet Explorer 7+, or Vista with Internet Explorer 7+

Windows XP or Vista, with Firefox 2+

Mac OS X 10.6 with Safari 3+

*Safari on Mac OS X v10.6+ must be run in 32-bit mode

Mac OS X 10.6 with Firefox 2+

Windows 7+

High Speed Internet Connection

TWAIN compliant document scanner

Q: Can I use any home scanner?

A: DeposZip uses the TWAIN specification for communicating with scanners. Most scanner software supports the TWAIN specification, but not all. For the latest information for specific scanners, enter DeposZip from Home Banking and click “Help with Scanners and Drivers” near the bottom of the New Deposit screen or consult with your scanner manufacturer for information on their support for TWAIN on your device.

Q: How do I access DeposZip on my computer?

A: When you log into Home Banking, you will see the DeposZip tab.

To make a check deposit:

  1. Log on to Freedom’s Home Banking click on “Deposzip”
  2. Select the account into which you wish to make a check deposit then click “Submit.”
  3. Endorse the back of the check(s) as follows:
    • The words “For Mobile Deposit only at FFCU”
    • The Member Number and share ID to which it is being deposited.
    • Payee’s Endorsement (signature)
  4. Select your scanner (the first time you use the service you will be prompted to install a scanner control, you will only need to do this once.
  5. Enter the total deposit amount of your checks
  6. Scan the front and back of your check(s)
  7. Review and Submit your deposit

Q: Can any type of check be scanned for deposit?

A: No. You can only scan single-party domestic checks made payable to the owner(s) of the account. Savings Bonds, foreign checks, third party checks, checks written to you from another account of yours at Freedom, items stamped with “non-negotiable, incomplete checks, stale-dated or post-dated” checks, any checks that contain evidence of alteration to the information, checks purported to be a lottery or

Q: When will my deposit be credited to my account?

A: Checks submitted for deposit prior to 3:00 pm Eastern Standard Time (EST) will be reviewed on the same business day. Deposits submitted after 3:00 pm EST will be reviewed the next business day. Business days are Monday through Friday, excluding Saturdays, Sundays, and holidays. All deposits will be credited based on factors such as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and other factors that Freedom, in its sole discretion, deems relevant. The earliest a deposit would be made available is three business days after the deposit is made.

Q: Do I need to include a deposit slip with my scanned check deposit?

A: No. The DeposZip program generates an electronic record with each deposit.

Q: How many checks can be included in one deposit? Can multiple deposits be submitted each day?

A: Up to 999 checks can be included in one deposit and multiple deposits can be submitted as long as the accumulated dollar amount of the deposit(s) does not exceed the daily deposit limit.

Q: How much is the deposit limit?

A: Deposit limit is listed in step three of the deposit process.

Q: What fees are charged to use DeposZip services?

A: Members can enjoy the convenience of DeposZip without incurring a fee from Freedom.

Q: What type of accounts can I scan deposits into?

A: DeposZip can be made to your savings or checking account.

Q: What should I do with the check once it has been scanned?

A: Store your check(s) in a safe place for 60 days after you receive confirmation via the deposit history on Home Banking that your deposit has been accepted, and then destroy the check by shredding or another commercially acceptable means of data destruction.

Q: I scanned my check and clicked on continue and an hourglass is tumbling but nothing is happening. What’s wrong?

A: If the browser hangs with an hourglass, this is caused by security software on your network blocking the outbound HTTPS connection of the ActiveX control. The ActiveX software uses a direct HTTPS connection to upload your check images for processing, and will not use a configured proxy server. For most users, this does not cause any problems. However, some users may have a non-transparent proxy that prevents this direct connection, and the browser may hang with an hourglass. The Java version of DeposZip properly uses your browsers proxy configuration and will correct this error.

Q: If I have questions, where can I go to receive help?

A: If you are within the DeposZip section of Home Banking, you can select “Help” or “?” as you begin the transaction and you will see information specific to the page you are on. You can also send an email to, send a secure message via our Contact Us page or from within Home Banking or call 800-440-4120.

Q: How do I get a copy of my deposit?

A: If you click on the Deposit History Tab at the top right corner of the page, a listing of your scanned deposits will be displayed. If you click on the icon, you can view the deposit details along with a copy of the items included in that deposit. If you click on the icon, you can download a copy of the deposit and print it or save it to a file on your computer for your records.

Q: How long can I view my deposit history?

A: Deposit history is maintained for member review for 18 months. For deposit history more than 18 months old, you can call 410-676-5700 or 800-440-4120, send a request via secure message or visit a branch. See our Service Charge listing for applicable fees.

Q: How much time do I have to scan my deposits?

A: The DeposZip session will timeout after 20 minutes of inactivity. There is a Session timeout clock displayed on the top right corner of the screen. During the last five minutes of the session, the clock time will appear in red. Every time the page is changed, the clock refreshes.

Q: I am trying to scan the back of my check and continue to receive an Image Quality Error, Image Too Light. What can I do?

A: Ensure you have properly endorsed the check. If not, delete the back image of the check you have scanned, endorse the item and rescan. If you have the proper endorsement on the check, it is possible your scanner is not detecting the whole check. You can try using the cropping feature below the scanned image within DeposZip, adjusting the brightness feature of your scanner, select ‘custom’ image instead of ‘color’ image if the option is available on your scanner or drawing dots on each corner of the check. Click on the button (next to the scan button) for more detailed help for adjusting your scanner settings and for more detailed instructions about scanner and driver software.

Q: I have scanned the front and back of my check but it is giving me an error message that the size of the back and the front of the check do not match. How can I fix this?

A: Proper cropping of check images is essential to ensuring that deposited checks are processed successfully. Most scanners allow images to be cropped by previewing the scanned image then moving the box to properly surround the check. Try placing the check on the border of the scanning screen to line up the front and back of the check so the scanner reads the size of the check the same way. Clicking on the below the scanned image screen will give you more detailed instructions for properly cropping a check.

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