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1.
How do you make it so a member cannot enroll in Remote Deposit Capture?
We first suggest unenrolling the member by clicking the “Unenroll” button located, in the middle of the admin tab on the iDocVAULT screen. Then you can uncheck the “Mobile Enabled” box as well. This will make it so the member receives an error when they are trying to enroll in Remote Deposit Capture. The only way they would be able to enroll again is if someone at the credit union checks that box for the member.
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2.
What is not affected by 7-day back office processing? What do ACH transfers, OTB transactions, Remote Deposit Capture (RDC), and eAlerts have in common?
The following things are not affected by 7-day back office processing changes implemeted in February 2019. ACH - ACH will continue to process as always. OTB - OTB is not affected by 7-day back office processing. RDC - Deposits are processed seven days a week or by credit union configuration. eAlerts - These are sent with an automated process that is not changed with 7-day back office processing.
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3.
How many remote deposit capture (RDC) transactions are we allowed to have when posting via RDC-IQ?
You can post an unlimited number of member transactions using the RDC-IQ posting service.
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4.
Can I process my Remote Deposit Capture deposits interactively? How does RDC-IQ work?
When members post check deposits via RDC, what’s most important to them is getting the money into their account quickly. RDC-IQ is the fastest way to post RDC transactions to your member accounts – and the most cost-effective for your credit union. RDC-IQ is the near-real-time posting service solution you’ve been waiting for! If you use eDOC Innovations as your RDC back-end processing vendor, then take your RDC program to the next level. When a member deposits a check via More...
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5.
We just enrolled our member into Remote Deposit Capture (RDC). However, the member is unable to move past the "Check Amount" Field in her mobile app. It shows a red triangle with an explanation mark (!). Why can't she move forward with the item is within her RDC limits?
Make sure that the mobile device has a Keyboard Type of English, United States. Then it may also be necessary to change the region to show as United States. This is a common reason that members are unable to get past the Amount field.
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6.
Can we batch post Remote Deposit Capture (RDC) transactions with more than one vendor?
Yes. CU*Answers currently provides RDC Posting Services (batch posting) for both eDOC Innovations and UrbanFT. These can both be processed simultaneously. This scenario is used when a credit union migrates from one vendor to another. NOTE: Multiple vendors are not supported with RDC-IQ.
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7.
Will remote deposit capture (RDC) checks processed using RDC-IQ post immediately?
Assuming everything is working normally, most items posted using RDC-IQ posting services will post within seconds. By the time the member navigates to their account, the money will already be deposited.
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8.
What situations affect the near-immediate posting of a remote deposit capture (RDC) check if I use RDC-IQ?
The posting of items will be delayed for the following reasons: The item fails your credit union’s business rules or has holds placed on items from your Automated Deposit Holds and Electronic Deposit Holds configurations. (These rules are also followed by RDC-IQ.) Your credit union is currently being processed through end-of-day or beginning-of-day. There is system maintenance, a rollover, or an event that impacts system availability. There are communications issues. In these instances, t More...
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9.
How can I address the 2018 Reg. CC change regarding restrictive endorsements for Remote Deposit Capture (RDC) deposits?
Your credit union should require that the member use a restrictive endorsement – ‘For mobile deposit to [your credit union name]’. It is also recommended that your member agreements shift liability for a second presentment of an item to the depositor if the depositor fails to use the required language. Also, check with your RDC Process Vendor; eDOC Innovations, for example, offers a service that will scan for restrictive endorsements on all RDC items on submission.
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10.
Will my credit union still review checks that fall out of our guidelines when we move to RDC-IQ as my remote deposit capture (RDC) solution? Currently, for example, we review checks that are over $1,000.
Yes, you can still set restrictions on the immediate release of funds, including setting a maximum check amount. You will build these requirements into your business rules. We will assist you with this during your onboarding process.
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11.
What configurations are needed to release the full amount of the check right away if I use RDC-IQ as my remote deposit capture (RDC) solution?
With your onboarding to RDC-IQ we will review the following with you to ensure your members’ check funds are released as you expect. For a check to be available right away, your credit union business rules (through e-DOC) will need to be set so that you do not need to review every check as it is processed. For example, your business rules must be set such that items at or below a chosen amount are not held for review, the maximum number of items a member can deposit is appropriate, and t More...
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12.
Will our members receive a notice when they are using Remote Deposit Capture (RDC) in the Mobile App and a check gets rejected?
When the member completes the deposit, they will receive one of two system-generated messages. The Deposit Submitted message indicates that the check was successfully deposited. If the check was not successfully deposited, the member sees an error message. This message is standard and is not configurable by your credit union. See the Remote Deposit Capture booklet and on demand video below for pictures for the RDC Deposit process for the member.
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13.
How can I view Remote Deposit Capture (RDC) check images in the archive? Can my credit union store them in color?
The archived image can be viewed in iDOC Vault via Tool #1650 Work RDC Enrollments/Pending Deposits . These images cannot be stored in color. The third-party software that evaluates the image quality, converts the images to grey-scale. (This smaller file is also optimized to take up less space in iDOC Vault.)
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14.
My member deposited a check via CU*BASE Remote Deposit Capture. Can I reverse the check once it passes my limits (configured in CU*BASE) and is deposited in their account?
No. Once the check is “accepted” and deposited in CU*BASE, there is no reversal option available.
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15.
Can I change the limits for my check approvals for Remote Deposit Capture (RDC)?
This depends if your credit union wants the limits updated across all enrolled RDC members or just a few members. If you want to update the limits for just a few members, use Tool #14 Member Personal Banker . Then use RDC Enrollment to access the screen used to update limits for that member. (See help screen below) . If you want to change limits for your entire membership, contact the CU*Answers DHD team for a quote to perform a custom flood. (S ee store tile below.)
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16.
If a Remote Deposit Capture (RDC) check is rejected, can we provide the member with a customized message giving them the reason for the rejection? Right now they need to contact our credit union.
Yes, your credit union can customize the email message sent to a member when a Remote Deposit check is rejected. The email can include your credit union name, phone, email, and a link to your website. The following fields can be included in the message sent to the member: Serial Number Amount Rejection Reason Rejection Explanation Refer to the eDOC Innovations store tile below for more details.
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17.
Is there a way I can block a member enrolled in Remote Deposit Capture (RDC) from making future deposits?
Yes, you can block a member enrolled in Remote Deposit Capture from making future deposits. On the Member Personal Banker screen for RDC ( see help link below) , first unenroll the member from RDC. Then re-enter this screen and select Deny/Block from future enrollment . NOTE: This will stop the member from re-enrolling in RDC via the Mobile App. A credit union employee could technically re-enroll this member in RDC via this screen in CU*BASE. Follow credit union policies and procedures.
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18.
Can I set a member so that all their Remote Deposit Capture (RDC) deposits are reviewed?
Yes. You can set an individual member so that all their check deposits made via RDC are reviewed. From Tool #14 Member Personal Banker , select RDC Enrollment . On this screen, select Always Review All Items from the dropdown menu next to Deposit handling for this member .
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19.
Our members have access to view check images in online banking but can't view Remote Deposit Capture (RDC) checks. How can members view these check images?
Remote Deposit Capture (RDC) check images are only available via the mobile app. The mobile app shows a 30-day history of RDC check images. These do not display within online banking transaction history.
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20.
How do I post to CU*BASE my remote deposit transaction that come in through eDOC Innovations products?
Refer to the Posting Your Remote Deposits to CU*BASE - Using eDOC Innovations Products manual for details. A link to this booklet is provided below. This document will show you how to post your remote deposit transactions that were made via an eDOC Innovations CheckLogic product into CU*BASE.
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21.
Where can I get data on the checks members deposit through my mobile app’s Remote Deposit (RDC) feature?
The approach to finding data on mobile check deposits, or Remote Deposit Capture (RDC) activity, will depend on what systems and processes are used to post them to the member’s account. If deposits are automatically posted : Check out Tool #1985 Auto-Post RDC Deposit Dashboard to find a listing of every posted deposit (or attempts that ended in error), for any date or time period you are interested in. Total amount and number of checks are included for quick reference. Interested query-w More...
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22.
My member gets a Social Security (SSA) deposit via ACH. We use an ACH distribution to pay the member’s loan payment, but the loan payment was not made. Why did this happen and what benefits are there to using an Automated Funds Transfer (AFT) instead?
Prior to the 16.10 release, the SSA began using multiple Company IDs, and it was recommended that credit unions consider using Automated Funds Transfers (AFTs) to handle distributions. Beginning the 16.10 release a new cross-reference system will be implemented that will automatically funnel all incoming company IDs from the Social Security Administration and treat them as if they came from one, consistent company ID we’re referring to as the “Primary ID.” With the changes ma More...
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23.
What causes a member check to be returned as 'Refer to Maker'?
Previously, credit unions used Code 38 for “Return to Maker”, but this code is no longer available in the system. This change was initiated by a Reg CC change in 2018. Now, if you are presented with a situation where you need to return a check to another institution, it is recommended that you use one of these codes to clarify the reason for the check return. Some codes allow you to make the change in CU*BASE. Others require that you contact your Check Item Processor. Read below for More...
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24.
I'm putting a hold on a check at the teller line, but what if I want to deposit the check into two different accounts?
The hold days and account type fields are used to give CU*BASE instructions on how to place a hold. All CU*BASE does is create an Uncollected Funds record for that amount, for that # of days, on that particular sub-account . If you deposit the money into multiple accounts, the hold still gets placed on that one account, so just be aware of what that will do to the member's available balance on that account!
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25.
What precautions should I take when adding distribution records for a member who has more than one deposit coming in from the same institution but for different household members, for example Social Security deposits?
Special care should be taken when adding distribution records for a member who has more than one deposit coming for the family from the same institution. Take the time to research the member ACH records using the ACH inquiry screen, and if there isn't enough information on this screen, go to CU*SPY and find the PACXTB report to review the ACH detail. For example, the Smith family receives three ACH payments for Social Security benefits: one for the husband, John, one for the wife, Mary, and More...
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