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FAQ: Remote Check Deposit

What is DeposZip?

DeposZip is a a free secure service available from Tampa Bay Federal that allows you to scan paper checks from your mobile device and electronically send the images to Tampa Bay Federal for deposit through Online Banking.

The basic requirements require that you be at least 18 years of age, have a satisfactory credit history, and have demonstrated satisfactory checking account history as reported by a Consumer Reporting Agency.

Do I have to purchase special software to use DeposZip?

No, DeposZip is accessible to qualified members within  Mobile Banking. To make deposits through your mobile device you must have a camera function on your phone and you must install our Mobile App for Apple or Android.

What are the minimum system requirements necessary to use DeposZip on my mobile phone?

Tampa Bay Federal supports Mobile Deposits through our mobile app for Apple and Android. The minimum requirements are:

Apple

iPhone 3GS or newer.

IPod touch 4G

iPad 2

iPad Mini

Android

Smartphones with Android 2.1 Operating System or greater

How do I access DeposZip on my mobile device?

Tampa Bay Federal supports mobile deposits through our mobile app for Apple and Android. You will have to install our mobile app in order to make deposits through your mobile device. Once installed you can tap on the mobile deposit option to get started.

If you have not yet applied for Mobile deposit, there may be a brief waiting period before you are able to access this service while we process your registration. You will be notified by email when you have been approved.

How do I use Depozip to deposit a check?

Place the check on a flat well-lit surface that contrasts with the check color (if your check is white, take the picture on a black table).

Take each picture from directly above the check and not at an angle.

Rotate your device to landscape mode when taking the picture.

Take each picture as close as possible, while ensuring that all four corners of the check are visible in the frame.

Make sure each picture is properly focused and not blurry.

Can any type of check be scanned for deposit?

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 Tampa Bay Federal, 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 prize winning and checks previously submitted for deposit are not acceptable for scanning. 

When will my deposit be credited to my account?

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 to your account following our standard check hold policies. Please see our hold policy as defined in the Funds Availability Disclosure.

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

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

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

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.

How much is the deposit limit?

$2,000 per check

$2,000 max daily

$10,000 rolling 30 day

What fees are charged to use DeposZip services?

Members can enjoy the convenience of DeposZip without incurring a fee from the credit union.

What type of accounts can I scan deposits into?

DeposZip can be made to your savings or checking account, or money market account.

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

Store your check(s) in a safe place for 30 days after you receive confirmation via the deposit history in Online Banking that your deposit has been accepted, and then destroy the check by shredding or another commercially acceptable means of data destruction.

What if I encounter problems when the credit union is closed?

DeposZip is designed as an easy-to-use, self-service product. Select "Help" or "?" on each line of the process for a detailed explanation, helpful hints and a short video explanation of that process step.

How do I get a copy of my deposit?

If you click on the Deposit History Tab in Online Banking  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.

How long can I view my deposit history?

Deposit history is maintained for member review for 18 months. For deposit history more than 18 months old, you must contact Member Services at 813-247-4414.

How much time do I have to scan my deposits?

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.

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?

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.

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?

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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