My Deposit Help

Overview
System Requirements
Account and Amount
Scanner Information
Scan Front
Crop Front
Scan Back
Crop Back
Upload Image
Confirm
Receipt
File Check
Denied
History
History Detail
Errors
FAQs

Overview

My Deposit is a revolutionary service which allows you to deposit checks directly into your account from the comfort of your home or office! Using your Internet-connected computer and almost any scanner, both business and personal checks can be deposited with just a few simple steps.

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System Requirements

TO USE OUR BUILT-IN JAVA® CHECK SCANNING SOFTWARE

COMPUTER OPERATING SYSTEM


WEB BROWSER


INTERNET CONNECTION


SCANNER


JAVA


TO USE OUR ACTIVE-X BUILT-IN CHECK SCANNING SOFTWARE

COMPUTER OPERATING SYSTEM


WEB BROWSER


TO USE YOUR OWN SCANNER SOFTWARE

COMPUTER OPERATING SYSTEM


WEB BROWSER


INTERNET CONNECTION


SCANNER

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Account and Amount

  1. Select your account from the drop-down list.
  2. Enter the amount of your check.
  3. Confirm that each statement in the verify item list is true, then check its box.
  4. Click CONTINUE.

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Scanner Information

TO USE OUR JAVA® BUILT-IN CHECK SCANNING SOFTWARE

  1. Select your specific scanner driver from the drop-down list.
  2. Only installed scanners are listed. Ensure that the scanner driver is installed on your PC, connected to your PC and powered on. If the list is empty or your scanner is not listed you may need to download the latest version of Java and/or reload the correct driver from your scanner's manufacturer. A standard scanner driver package may not have included a TWAIN driver, but the full version of the driver might. This is often the case with common printers like HP.
  3. Click CONTINUE.
  4. Click on the image that represents your scanner type.
  5. Your diagrams and instructions will be based on the selection you make here.
  6. Click on the arrow that represents your scanner's home position.
  7. Most scanners have a small arrow or dot which shows where to place your document. Locate that arrow and choose the corresponding one in the diagram.
  8. If the displayed scanner information is correct, click YES.
  9. Otherwise click BACK to make changes.

FIRST TIME USE OF JAVA

TO USE OUR ACTIVE-X BUILT-IN CHECK SCANNING SOFTWARE

  1. Select your specific scanner driver from the drop-down list. Only installed scanners are listed. If the list is empty, or your scanner is not listed you may need to download the 'Dosadi' control and/or reload the correct driver from your scanner's manufacturer. A standard scanner driver package may not have included a TWAIN driver, but the full version of the driver might. This is often the case with the common printers like HP.
  2. Click CONTINUE.
  3. Click on the image that represents your scanner type. Your diagrams and instructions will be based on the selection you make here.
  4. If your scanner is not a mobile scanner, click on the arrow that represents your scanner's home position. Most scanners have a small arrow or dot which shows where to place your document. Locate that arrow and choose the corresponding one in the diagram.
  5. If the displayed scanner information is correct, click YES. Other wise click BACK to make changes.

I get the message "Cannot open twain device." What does this mean?

The system was not able to communicate with your scanner. If you are using a wireless scanner, even if it is plugged directly into your computer, the system is still not able to communicate with the driver. We do not currently support wireless scanners. Please scan your check using your scanner software and upload the file to the system instead.


TO USE YOUR OWN SCANNING SOFTWARE

  1. Scan the front and back of the check using your scanner's software. Adjust the scanned surface to include the check and no more than 1/3 inch of white space around the check. Too much extra white space will make the dimension of the image file too big for upload. Be sure the image is scanned as grayscale, at 200 - 300 DPI and saved in JPG format. Double check the resolution of your file through Windows Explorer or other tools as appropriate. Your image software might compress the file before saving it. Saving as "best quality" tends to override the compression settings. In addition, the width and height should be cropped to the size of a standard personal check or a standard business check as appropriate (i.e. between approximately 5.7 by 2.2 inches and 8.7 by 3.8 inches). Excessive extra white space included by your scanner software will cause the dimension of the image to be too large and will not be accepted by the system.
  2. Click Browse for most browsers such as IE, Firefox. Choose File for Safari. Navigate to your check image file.
  3. Click CONTINUE.

To determine the resolution and dimensions of your saved file, do the following:

Windows XP INSTRUCTIONS:

  1. Go to Windows Explorer.
  2. Locate the saved image.
  3. Right click on the image and select Properties.
  4. Click on the Summary tab in the pop-up window.
  5. Look at the resolution in DPI. If this value is less than 200 DPI, you will need to re-scan and re-save your file.
  6. Look at the width and height. Calculate the width and height by dividing the pixels measurement by the dpi. The result is the width and height in inches. This number should be closed to the size of a personal check (5.7 by 2.2) or a business check (8.5 by 3.8). If not, crop your image and save your file again before uploading to the system.

Windows 7 INSTRUCTIONS:

  1. Go to Windows Explorer.
  2. Locate saved image.
  3. Right click on the image and select Properties.
  4. Click on the Details tab in the pop-up window.
  5. Look at the resolution in DPI. If this value is less than 200 DPI, you will need to re-scan and re-save your file.
  6. Look at the width and height. Calculate the width and height by dividing the pixels measurement by the dpi. The result is the width and height in inches. This number should be closed to the size of a personal check (5.7 by 2.2) or a business check (8.5 by 3.8). If not, crop your image and save your file again before uploading to the system.

MAC INSTRUCTIONS:

  1. Locate saved image.
  2. Hold down the Control key and click the mouse at the same time.
  3. Select Open with.
  4. Select Preview.
  5. Go to Tools in top bar menu.
  6. Select Adjust size. You will now see the resolution in pixels per inch which is the same as DPI. If this value is less than 200 dpi, you will need to re-scan and re-save your file.
  7. Look at the width and height. Calculate the width and height by dividing the pixels measurement by the dpi. The result is the width and height in inches. This number should be closed to the size of a personal check (5.7 by 2.2) or a business check (8.5 by 3.8). If not, crop your image and save your file again before uploading to the system.

I get "Uploaded File Exceed File Size." What does that mean?

The uploaded file width and height must be closed to the dimension of a personal check and a business check, approximately 5.7 to 8.5 inches long and 2.2 to 3.8 inches wide. Your scanned image might have included the entire scanner surface. You need to go back to your original image and crop the file to only include about 1/3 inches of white space around the check. Be sure your saved file is still at 200 DPI. See instructions above on how to check on your file's resolution, width and height.

IF YOU ARE USING A BROWSER OTHER THAN INTERNET EXPLORER 7, or later click USE YOUR OWN SCANNER SOFTWARE.

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Scan Front

  1. Place your check in the scanner as shown.
  2. Click SCAN FRONT OF CHECK.

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Crop Front

The software attempts to auto-crop your check, but you just make sure the check image is acceptable for deposit.

Correctly Cropped
Upside-Down
Un-Cropped
Under-Cropped
Over-Cropped
  1. Use the buttons to adjust the image until the entire check is visible without any extra space and is right side up.
      1. Click the top left of the check.
      2. Click bottom right of the check. You should see a red box surrounding the check image. If the crop box does not look right to you, expand the browser window to full screen and click the top left and bottom right corners again. If the check is placed incorrectly in the scanner, click BACK and re-scan.
      3. Click CROP.
  2. Confirm that each statement in the verify item list is true, then check its box.
  3. Click CONTINUE.

If the check image is completely blank, it usually means that your scanner is a little different from the example scanner. Our pictures are not always perfect. Most scanners have an arrow showing the correct corner to place the check.

  1. Click BACK.
  2. Move the check so that it is in the corner with the arrow.
  3. Click SCAN FRONT OF CHECK.

If the check image is very tiny, it usually means that the auto-crop did not work well. Since it is hard to crop a tiny image, it's best to do it in two rounds.

  1. Click CROP to do a rough crop using the instructions on the screen.
  2. Do a finer crop now that the image is bigger and easier to work with.

If the check image is over-cropped, it usually means that the auto-crop did not work well.

  1. Click UNDO one or more times to get the original image.
  2. Click CROP and follow the instructions on the screen to mark the corner of the check and re-crop the image.

If the system indicates that it can not find the account number,

  1. Click UNDO to revert back to the original image. Your image may have been auto-cropped by the system. You may have to click UNDO multiple times to get to the original image.
  2. Click CROP and follow the instructions on the screen to mark the corner of the check and re-crop the image.

If you get a system error such as "Scanner error: [object error] uploadURL: https://…. UploadFileName : checkfront.jpg",

  1. Check your manufacture's web site to verify that your scanner driver is up to date and is certified for your current OS version.
  2. Your firewall may be preventing the upload of the image. Most business firewall and VPN will block file upload. Home firewall tend to not block uploading of images. Contact your FI for further assistance.

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Scan Back

  1. Place your check in the scanner as shown.
  2. Click SCAN BACK OF CHECK.

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Crop Back

The home deposit software attempts to auto-crop your check, but you must make sure the check image is acceptable for deposit.

Correctly Positioned Endorsement
Misplaced Endorsement
  1. Use the buttons to adjust the image until the entire check is visible without any extra space and the endorsement is above the arrow on the right.
  2. Confirm that each statement in the verify item list is true, then check it's box.
  3. Click CONTINUE.

If the system indicates there's an issue with the Back image,

  1. Click UNDO (possibly more than once) to revert back to the original uploaded image.
  2. Click CROP and follow the instructions on the screen to mark the corners of the check and re-crop the image manually.

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Upload Image

  1. Scan, crop and save the front and back of the check using your scanner's software.
  2. Browse to the file with the image of your check.
  3. Click CONTINUE.

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Confirm

  1. Carefully review the transaction details.
  2. Confirm that each statement in the verify item list is true, then check its box.
  3. Click CONFIRM DEPOSIT.

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Receipt

  1. Print the receipt for your records.
  2. Click CONTINUE.

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File Check

Annotate your check and save it for the period specified on your screen. Place it in your files with the receipt.

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Denied

If your deposit is denied make sure that:

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History

Click Details on any of your Deposits / Payments to get more information about a deposit. You can view information about submitted deposits or select an unsubmitted deposit to continue reviewing.

Click Make Another Deposit / Payment to begin another deposit.

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History Detail

Click Resume Deposit / Payment to resume reviewing an existing deposit.

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Errors

Displayed Error Message Reason
Deposit Failed
There was an error in your deposit. Could not verify check. Please try again.
(Response Code: E35)
Your submission failed for the following reasons:
• Image cannot be processed
This error is most likely due to poor image quality.
Deposit Failed
There was an error in your deposit. Could not verify check. Please try again.
(Response Code: E35)
Your submission failed for the following reasons:
• Check appears to have been deposited earlier
This error is due to the possibility of a duplicate check. A check may have been deposited earlier.
Deposit Failed
There was an error in your deposit. Could not verify check. Please try again.
(Response Code: E35)
Your submission failed for the following reasons:
• Check amount could not be confirmed
The amount you entered versus the amount read by OCR exceeds the threshold defined by ICCU.
Confirmation Needed
Your submission needs confirmation due to the following reasons:
• Back endorsement could not be found.
If you want to continue with the deposit, press Continue, otherwise press Cancel. The check may be held for review based on ICCU's policies.
Check endorsement was not detected by the OCR system. Confirm the check is endorsed and continue with the deposit. If the check is not endorsed, cancel the deposit, endorse the check and recapture the back.
Deposit Failed
There was an error in your deposit. The calendar day deposit limit of $3500.00 will be exceeded. You may deposit up to $3500.00.
(Response Code: EL1)
Deposit amount exceeds daily limit defined by ICCU.
Deposit Failed
There was an error in your deposit. Please contact your financial institution.
(Response Code: 96)
This error is most likely caused because the account is locked.
My Deposit Message: Item cannot be processed. Please delete. Possible contributing factors: Front Image Too Dark. This issue is most likely caused when an image quality is too dark or the image contains too many pictures causing the file size to be larger than what is accepted.
My Deposit Message: The uploaded image file size appears to be too small. Please verify these items and review our helpful tips. This issue is most likely caused when the end user crops and removes too much of the image in My Deposit. Rescan the image and make sure border is maintained when cropping the image.
Connectivity Issue If a you receive a message indicating a connectivity issue when trying to submit a check image, the link may be temporary down. Please try again later.

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FAQs

  1. Q: Why is there more than one scanner driver listed in the dropdown menu in My Deposit?
    A: The application locates all scanner drivers available on your PC and displays them in the drop-down menu. Select the scanner that you wish to use. Ensure that the scanner driver is installed on your PC, connected to your PC and turned on. You may have two entries for each scanner, a WIA and a TWAIN version. Please select the TWAIN version.
  2. Q: Are there any requirements if I want to use my own scanner software?
    A: Yes, you must ensure that the image you are going to upload:
  3. Q: Do I need to update my scanner driver software to deposit checks using the built-in scanner software or my own scanner software?
    A: Scanner manufacturer's often release a new version of the scanner driver software to support new Operating Systems and new Web Browser versions. You may need to download the latest version of your scanner driver software before you can make a deposit.
  4. Q: There is a message that tells me that my Java is out of date. What should I do?
    A: If a message displays in My Deposit that indicates you need to upgrade your version of Java:
    1. Click the Start button
    2. Click the Control Panel button
    3. Double click the Java icon
    4. Under the Update tab, click the Update Now button
    5. Under the Advanced tab, click the plus sign next to Default Java for browsers and make sure your web browser has been checked. (Note: Internet Explorer is indicated by "Microsoft Internet Explorer" and Firefox is indicated by "Mozilla Familly". Chrome may not display.)
    6. Verify that you only have a single version of Java on your computer:
      1. Click the Start button
      2. Click the Control Panel button
      3. Double Click the Add or Remove Programs icon
      4. Scroll down the list of applications; if there is more than one Java™ Update in the list, select the older versions and click the Remove button.
  5. Q: I get the message "Cannot open twain device". What does this mean?
    A: The system was not able to communicate with your scanner. If you are using a wireless scanner, even if it is plugged directly into your computer, the system is still not able to communicate with the driver. We do not support wireless scanner at this point. Please scan your check using your scanner software and upload the file to the system instead.
  6. Q: What do I do if I receive a Microsoft IE Scanner Error when I attempt to scan the front of the check?
    A: If you get a system error such as "Scanner error: [object error] uploadURL: https://... UploadFileName : checkfront.jpg":
  7. Q: I am using MAC with Safari and the Continue button does not appear, what should I do?
    A: Safari's Display Images option was not selected. Go to Safari/Preferences/Appearance Display Image and turn the option on.
  8. Q: How do I figure out the resolution and the dimension of my saved file?
    A: Do the following:
  9. Q: I get "Uploaded File Exceed File Size". What does that mean?
    A: The uploaded file width and height must be closed to the dimension of a personal check and a business check, approximately 5.7 to 8.5 inches long and 2.2 to 3.8 inches wide. Your scanned image might have included the entire scanner surface. You need to go back to your original image and crop the file to only include about 1/3 inches of white space around the check. Be sure your saved file is still at 200 DPI. See instructions above on how to check on your file's resolution, width and height.
  10. Q: Why does the front of the check scan with extra space that needs to be cropped?
    A: The imaging process depends on the scanner. Some scanners scan the check with extra space and some with no space around the check. We recommend that you place four black dots (the size of the pencil eraser) in the four corners of the check before scanning the check. This will help the scanner determine the outline of the check so that you will not have to crop extra space.
  11. Q: What do i do if the check image uploaded is completely blank?
    A: If you are using the My Deposit built-in scanner software, your scanner may be slightly different from the example scanner. Most scanners have an arrow showing the correct corner to place the check. Please validate that the check is located according to your scanners arrow. To rescan, click BACK and then click SCAN FRONT OF CHECK.
  12. Q: What do I do if the check image uploaded is very small?
    A: Follow these steps:
    1. Click UNDO one or more times to get to the original image.
    2. Click CROP and follow the instructions on the screen to mark the corner of the check and re crop the image.
  13. Q: What do I do if the check image uploaded is over-cropped?
    A: Follow these steps:
    1. Click UNDO to revert back to the original image. Your image may have been auto-cropped by the system. You may have to click UNDO multiple times to get to the original image.
    2. Click CROP and follow the instructions on the screen to mark the corner of the check and re crop the image.
    3. If the original image was actually over-cropped, you will have to rescan the check and start the process over
  14. Q: What do I do if my check rejected during the deposit process?
    A: Ensure that the check images are correctly cropped, that the MICR line is fully visible and there is space between the MICR and the edge of the image, the front check image is right side up, and the back endorsement is above the arrow on the right. If you continue to experience problems, come in to any of our branches and present that check for deposit. If you choose to deposit your check at another financial institution, we make it convenient for you to do it as well.

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