Remote Check Deposit (RCD)

Easily deposit checks from anywhere using our FREE Mobile App! 

  • You can deposit funds into your primary savings or checking accounts by taking photos of your check 
  • 24/7 Convenience
  • Easy, Fast and Secure

Steps to Using Our Remote Check Deposit

Step 1: Download our Mobile App from the App Store or Google Play by searching “Tobacco Valley Teachers Fed CU.” 
Step 2: Conveniently deposit funds into your primary Savings and Checking Accounts by taking photos of your check. 

Important Information

Properly endorse the check on the back as it appears on the "Payable to" line and the words "For Mobile Deposit Only TVTFCU" are required.

  • Check amounts over $2500.00 are not eligible for RCD.
  • If your mobile RCD is completed before 3:00 pm on a business day, you'll see a credit to your account that same day. If your mobile RCD is completed after 3:00 pm on a business day or weekend or on a holiday, you'll see a credit to your account on the next business day.
    • You will receive an email confirming that the check was approved or denied.  If you don’t receive an email, please check your junk folder.  If not there, call the credit union to verify your email address on file.
    • Check holds — The whole check is held for the first business day, $225 is available the next business day and the remainder of the deposit is available on the third business day. TVTFCU has the right to extend check holds as we deem necessary. All credit is provisional until credit has been received by the paying financial Institution. 

Unacceptable Items for Deposit include:

  • Checks drawn on a foreign bank
  • Money orders
  • Travelers checks
  • Checks payable to an individual not on the account
  • An item drawn on your account at Credit Union
  • An item that contains evidence of alteration
  • A check previously converted to a 'substitute check', as defined in Regulation CC 
  • A stale dated, expired, or postdated item
  • Any item that has been re-deposited or returned such as 'non-sufficient funds' or 'Refer to Maker' or any other reason
  • Cash
  • Savings Bonds

You agree that any items submitted for deposit using our Remote Check Deposit service include the following Endorsement, Retention and Disposal requirements:

  • You agree to properly endorse the check on the back as it appears on the "Payable to" line and the words "For Mobile Deposit only TVTFCU” are required.
  • You agree to securely store each original check that you deposit using these services for a period of at least sixty (60) days. After sixty (60) days and no later than ninety (90) days after you transmit the original check, you safely destroy the original check.
  • You agree to never re-present a check for deposit.
  • You understand and agree that you are responsible for any loss caused by your failure to secure the original checks.
  • You promptly provide any retained check to us as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any check, or for our audit purposes. If you are unable to provide us with the check requested, you will be liable for any unresolved claims by third parties.

If you have any questions, please call 860-253-4780 to speak to one of our Member Service Representatives.

TVTFCU reserves the right to revoke access to the remote check deposit service in the event of account abuse.

Go to main navigation