Remote Deposit Capture


Remote Deposit Capture

"Shutter-Click" - that's the sound of your camera as you snap a photo of your check to deposit. That's right, you now have the convenience of depositing checks whenever/wherever using our new and improved Mobile Capture app.

  • Log into the Fort Billings of NJ mobile app using your online banking credentials
  • Select Deposit in the Menu section
  • Read and accept the Remote Depost Capture Disclosure so that you know how to properly endorse your remote deposit.
  • Follow the on-screen instructions to snap a photo of the front and back of your check. Please note, the app will ask for access to your camera, this is necessary for this nifty service to work.
  • IMPORTANT: Your endorsement should include your signature AND "for remote deposit at FBFCU only" written underneath it. Without your endorsement AND “for remote deposit at FBFCU only” written on the back of the check, your Mobile Deposit will NOT be accepted.
  • Confirm and submit...now sit back and relax because you're done.

Remote deposits will be processed according to our FBFCU Check Acceptance Guidelines and are subject to a 5-day hold. Deposits will be rejected if not properly endorsed with your signature and noting "for remote deposit at FBFCU only." Please note, there is a daily limit of $5,000.00 / $20,000 per month, per account.


Remote Deposit Q & A

Remote deposits are subject to a 5-business day hold. See our Remote Deposit Capture Disclosure for more information.

Deposits may be made any time of the day, but our processing cutoff time is 3:00pm EST, Monday through Friday. If you make a deposit after the cutoff time or on a day we are closed, we will consider the deposit made on the following business day.

You can deposit as many checks as you would like up to your deposit limit of $5,000 per day / $20,000 per month. However, you can only snap a photo/deposit one check at a time.

Remote deposits are processed individually, so you will see separate deposits for each check.

Personal and Corporate checks made payable to Fort Billings Federal Credit Union's account owner(s).

Unfortunately, signed over checks, foreign checks, bonds, third-party checks, rebate checks, or returned checks are not eligible for Remote Deposit. Please stop by either branch to deposit those items.

Money orders may or may not be recognized. If you run into any issues, we suggest depositing money orders at one of our 2 branch locations.

Thiere is no cost to our members! This neat new feature is FREE to mobile app users!

(Message and data rates may apply – check with your cellular provider.)

Like all of our products and services, your transactions are safe and secure! Your deposit information is stored in our system, not on your mobile device.

Once you have received confirmation that the check has been deposited and the funds have shown up in your account. Store the check(s) in a safe place for at least 30 calendar days, after those 30 days you can write “VOID” across the front of the check and dispose of them securely.

Please note, we may ask you to provide us with the original check, at your expense, within 10 calendar days. If we do not receive the requested item in the allotted timeframe we reserve the right to reverse the deposit from your account.

If you are having any issues depositing a check, please mail it to us at 962 Billingsport Road, Gibbstown, NJ 08027 or you're always welcome to visit either of our branches.

No worries. You can easily transfer money from one account to the other using our web banking or our cool new mobile app.

There could be various reasons, but the most common reason is due to it not being properly endorsed.

All remote deposits MUST include your signature and a note of "for remote deposit only at FBFCU" written underneath. Newer checks may have a box you can checkmark for remote deposit, which is also acceptable, but don't forget your signature and noting the deposit only at FBFCU.

Any FBFCU member that has our digital mobile app will have access to Remote Deposit Capture.

Fort Billings Federal Credit Union reserves the right to suspend this feature due to abuse.