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.

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.

You can post an unlimited number of member transactions using the RDC-IQ posting service.

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...

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.

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.

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.

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...

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.

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.

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...

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.

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.)

No. Once the check is “accepted” and deposited in CU*BASE, there is no reversal option available.

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.)

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.

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 .

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.

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.

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.

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...

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...

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...

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!

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...