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Remote Deposit Capture


What is Remote Deposit Capture?
How does Remote Deposit Capture work?
What are the eligibility requirements to use Remote Deposit Capture?
Do I need to endorse a check submitted via RDC?
What types of checks are allowed to submit through Remote Deposit Capture?
What types of checks cannot be deposited using DVCU Remote Deposit Capture?
How many checks can be included in one deposit?
What should I do with my check after depositing it using DVCU Remote Deposit Capture?

 

What is Remote Deposit Capture?

Remote Deposit Capture is a convenient service that enables you to make deposits to your accounts from anywhere, just by using a scanning device or an iPhone®, iPad® or Android® smartphone.
 

How does Remote Deposit Capture work?

Remote Deposit enables you to deposit checks remotely using our mobile through our online banking service.
 

What are the eligibility requirements to use Remote Deposit Capture?

You must be a Deer Valley Credit Union member for at least 90 days before you are eligible to use the RDC service.
  1. All associated loans and accounts must remain in good standing.
  2. You must use our online banking and mobile banking services.
 

Do I need to endorse a check submitted via RDC?

Yes. For a check to be accepted, an endorsement is required, just as it would if depositing at the ATM or in a branch. "For Remote Deposit only at DVCU" must be included on the back of the check.
 

What types of checks are allowed to submit through Remote Deposit Capture?

Eligible checks listed below:
 
  • Checks must be made payable to person(s) on the account. No third-party endorsements;
  • If check is payable to more than one person; all payees must be on the account the check is being deposited into;
  • Check does not appear to be altered or fraudulent;
  • Check is drawn on a U.S. bank; no foreign checks;
  • Check is payable in U.S. dollars; no foreign currency;
  • Check date is within last six months;
 

What types of checks cannot be deposited using DVCU Remote Deposit Capture?

Ineligible checks listed below:
 
  • Any item that is stamped with a "non-negotiable" watermark;
  • Any item that contains evidence of alteration to the information on the check;
  • Any item issued drawn on a financial institution located outside the U.S., or any foreign check;
  • Any item issued in a non-U.S. currency;
  • Any item that is incomplete;
  • Any item that is "stale dated" or "post-dated";
  • Savings bonds;
  • Any third-party check, i.e., any item that is made payable to another party and then endorsed to you by such party;
  • Any starter check that does not contain the drawer's preprinted information;
  • Any check which you know, suspect or should know or suspect to be fraudulent;
  • Any items previously converted to a substitute check or check image;
  • Deposits from the same account that the deposit is crediting;
  • Non-readable or non-visible MICR line items.
 

How many checks can be included in one deposit?

Only one check can be submitted at a time with RDC.
 

What should I do with my check after depositing it using DVCU Remote Deposit Capture?

Once you receive deposit confirmation, write "Via RDC" on the front of the original check and store it in a secure location for 90 days.

Remote Deposit Capture User Agreement

When I tried to access the site, a message came up that said I couldn't access at this time. When I contacted the credit union at a later date I was told the problem had been fixed, but I'm still getting the same message. Why can't I access your website?

Your system may be trying to access our website via your cache (temporary internet files) which are now outdated. First, try the refresh function of your browser. If that does not work, clear the cache files in your browser. If clearing the cache does not work, see if you are able to access any other secured sites other than ours (they start out https://). In the event online banking is down, you may be able to access your account by phone using the same password at 602.548.8985 or 1.800.824.2377 and then follow the prompts.

Where can I get a copy of my credit report?

A free copy of your credit report is available every 12 months and can be obtained from annualcreditreport.com.

My credit history is not very good; where can I get credit help?

To re-establish your credit history, check out Consumer Credit Counseling Services.

Where can I find the foreign exchange rates and other ATMs when I go on vacation?

To find the current exchange rates, click here. To find an ATM while on vacation, use our ATM locator

How do you calculate the average daily balance?

You simply add the balance for each day during the billing cycle and then divide by the number of days in the billing cycle. For example, you have a $0 balance for the first 15 days of the billing cycle and then make a $3,000 purchase on the 16th day of a 30-day billing cycle. Your average daily balance would be $1500. ([$0 x 15 days] + [$3,000 x 15 days] = $45,000 / 30 days = $1,500).

What is DVCU's Routing Number?

Our Routing Number is: 322172807.

In our continuing efforts to keep your accounts secure, we monitor activity for potential fraud connected to our debit cards. From time to time, you may be contacted via automated call or SMS message to confirm your card activity. These communications will never ask you for PIN data, full card number or full Social Security number data. This service is constantly monitoring accounts for potential fraud.

What does the outgoing text alert that is sent to cardholders contain?

Below are samples of the text alert messages that will be used:

  • Outbound Text: FreeMsg: DEER VALLEY CREDIT UNION Fraud Dept: Possible unauthorized txn on acct ending in : processed by . If authorized reply "YES", otherwise reply "NO".
    Example- FreeMsg: DEER VALLEY CREDIT UNION Fraud Dept: Possible unauthorized txn on acct ending in 1234: $22.22 processed by Julie's Jewelry Store. If authorized reply "YES", otherwise reply "NO."
  • If YES reply received, send subsequent SMS: FreeMsg: DEER VALLEY CREDIT UNION Fraud Dept: You have confirmed a purchase of at . We apologize for any inconvenience. Your acct can now be used without concern.
  • If NO reply received, send subsequent SMS: FreeMsg: DEER VALLEY CREDIT UNION Fraud Dept: Thank you for your reply. A fraud specialist will call you immediately to protect your account. Please answer this important call.

What message is left when the Interactive Voice Response places a call to cardholders?

Below is a sample of the Interactive Voice Response message that will be left for your cardholder:

  • This is the fraud prevention department at DEER VALLEY CREDIT UNION calling for "Cardholder's Name."
  • We need to verify some recent activity on your debit card ending in "Last four digits of card."
  • In order to prevent possible difficulties using your card, it is important that you call us back at your earliest convenience, toll free at (800) 889-5280 to verify this activity.
  • You may call us back 24 hours a day, 7 days a week. The number again is (800) 889-5280.

Will all cards automatically be turned on for the fraud alert service?

Yes, the new fraud alerting service will be provided automatically.

Is email supported for fraud alerts?

Daily balance alerts allow you to setup both SMS/text and email alerts for your account activity.

What is the pricing for fraud alerts?

There is no additional fee for fraud alerts.

How does DVCU determine if I receive an Interactive Voice Response call or an SMS/text message?

The card management system supports two phone numbers for each cardholder. The alerting technology determines whether the phone numbers on record are landlines or mobile devices. If a mobile phone number exists, we will send a SMS/text message to the cardholder. Otherwise, an Interactive Voice Response message is sent.

How often will DVCU attempt to contact the cardholder if there is no reply to the first message?

The first contact is through a SMS/text message. If there is no response within a certain period of time (usually 15 minutes), then an Interactive Voice Response call is initiated. If there is no response to the Interactive Voice Response, then we will wait approximately one hour and then repeat the sequence above. 

Are there costs to the cardholder for receiving SMS/text alerts?

For cardholders who have their mobile service through Verizon, AT&T, T-Mobile, or Sprint, we will send text messages using "Free To End User" texting. As the name implies, there are no costs to cardholders to receive text messages from these carriers. All other mobile carriers do not support Free To End User texting. We will send Interactive Voice Response messages to these mobile devices.

Are there costs to the cardholder for receiving Interactive Voice Response alerts?

In most cases, an Interactive Voice Response message to a landline should be free to the cardholder. If the Interactive Voice Response alert is sent to a mobile device (for example, the cardholder does not have a landline), the Interactive Voice Response call to the cardholder would count against the cardholder's mobile plan voice call rates.

Are there costs to the cardholder for responding to an alert?

Calls from a landline to our card processor should be free to the cardholder. Calls from the cardholder's mobile device would count against his or her mobile plan for voice call minutes. Similarly, SMS/text messages from the cardholder's mobile device would count against the cardholder's mobile plan text message rates.

Can a cardholder opt out of receiving SMS/text fraud alerts?

Yes, cardholders can opt out of receiving SMS/text alerts. Instructions are provided in all messages sent to the cardholder.

What are ACH Payments?

ACH payments are a way to simplify your monthly bill paying. This is a convenient form of bill paying commonly used with utility and retail vendors such as your power company or cell phone provider. Funds are electronically transferred from your account to your designated payment destination.

How do I set up electronic payments?

To set up electronic payments, you should contact your utility provider and/or retail vendor. Often, you can enroll in automatic payments directly from their specific websites or you may have to complete a paper form.

Which account will my payments come out of?

Payments may be made from your checking or primary savings account. Keep in mind that some utility companies or other vendors may not allow you to debit a savings account. Click here for a printable ACH form example.

Information for payments debiting your checking account

Provide the DVCU ABA Routing Transit Number (322172807) and your 10-digit checking account number. This information may be found at the bottom of your check.

Example image of check
 

Information for payments debiting your savings account

Provide our ABA Routing Transit Number (322172807) and your six-digit savings account number.

Can payments be debited from other account types?

Please contact us for more information.

What types of transfers does Deer Valley offer?

Deer Valley offers A2A (Account 2 Account) and P2P (Person 2 Person) transfers using Online Banking or our convenient mobile app.

How much money can I transfer using External Account Transfer?

A2A transfers have a limit of up to $4,500 per day and P2P transfers have a limit of up to $1,000 per day.

 

More about A2A

 

What are A2A payments?

A2A is a service to transfer to and from your Deer Valley Credit Union accounts to your accounts at other financial institutions.

When setting up a new account, how do you verify I own the external account?

When adding an external account, DVCU will send two small trial deposits to the routing number, account number, and financial institution name you provide. You will need to have access to the account in order to check balances and complete the setup process.

How long does it take for my money to transfer?

External account transfers made before the 3:30 p.m. cutoff time generally take one to three business days to complete. This timeline can change due to holidays, environmental factors, and account status.

Can I send funds to someone else's account?

No, the A2A Transfers feature does not facilitate this. However, you can utilize the P2P feature to send a payment via email or text message.

Can I set up a regularly recurring transfer?

Yes, you can schedule a recurring transfer by selecting the transfer type and entering the transfer duration. 

Can I set up a transfer for a future date?

Yes, you may schedule a transfer for a future date.

Is there a fee for using this service?

No, there is not a fee for using External Account Transfers.

What is required to use this service?

A DVCU account in good standing, an account with another financial institution you are an authorized user on, online banking, your external account's routing number, account number, and the bank or credit union name.
CUTransfer User Agreement
 

More about P2P

P2P transfer service is an innovative way of sending or receiving money via email or text message. The service offers you the ability to request payments from anyone, or make fast convenient payments - anytime, anywhere using your preexisting bank account.

Will my account information be shared with the recipient?

No, your account information will not be shared with the recipient. The recipient will only see your name and the personal message you included with the payment request. Similarly, you won't be able to see the recipient's account information.

Why am I asked to enter a message to the contact?

The message is an opportunity for you to tell the contact the reason for sending/requesting funds. It is helpful in creating the confidence that the money is coming from or going to someone familiar.

How will I know when payments complete?

You will receive a notification telling you that the transfer has been completed. You can also check the status of your transfer in the "Status" tab within the Funds Transfer service.

Can I send payments internationally?

Payments can be sent or received to/from others who own a bank account in the United States.

Can I set up a regularly recurring payment?

Yes, recurring payments can be setup for P2P payments.

Is there a fee for using this service?

No, there is not a fee for using External Account Transfers.

How long does it take to complete a funds transfer request?

It usually takes two to three business days to complete the transfer. The specifics will depend, in part, on the time of day you initiated the payment and how long it takes for the recipient to accept your payment request.

CUTransfer User Agreement