Meriwest Credit Union
Mobile Deposit
User Guide
Member Version
MCU
4/25/2014
Table of Contents
Mobile Deposit ................................................................................................................ 3
Checks Eligible for Mobile Deposit .................................................................................. 3
Checks Ineligible for Mobile Deposit ............................................................................... 3
Basic Check Verification.................................................................................................. 5
Endorsement Information ................................................................................................ 5
Mobile Deposit User Screens .......................................................................................... 6
List of Services............................................................................................................. 6
Make a Deposit ............................................................................................................ 7
How It Works................................................................................................................ 8
Make a Mobile Deposit .................................................................................................... 8
Step 1 - Choose Account ............................................................................................. 8
Step 2 - Enter the Amount............................................................................................ 9
Step 3 - Take Photo of Check ...................................................................................... 9
Step 4 - Submit Deposit ............................................................................................. 10
Deposit Success ........................................................................................................ 11
Check Retention ............................................................................................................ 11
Email Notifications ......................................................................................................... 11
Error Messages ............................................................................................................. 12
Image Quality ................................................................................................................ 14
Deposit Errors and Reject Reasons .............................................................................. 14
Frequently Asked Questions ......................................................................................... 15
What is Mobile Deposit? ............................................................................................ 15
How does the service work? ...................................................................................... 16
Is Mobile Deposit safe? .............................................................................................. 16
Can I use Mobile Deposit on my cell phone? ............................................................. 16
What types of Meriwest accounts are eligible? .......................................................... 16
Can I use the service to fund a new account? ........................................................... 16
What checks are accepted? ....................................................................................... 17
What checks are not accepted? ................................................................................. 17
Are my deposits limited? ............................................................................................ 17
Do I need to endorse my check? ............................................................................... 18
Mobile RDC Guide
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Are my deposit amounts restricted? ........................................................................... 18
When can I make Mobile Deposits? ........................................................................... 18
What should I do with the check after I complete my deposit?................................... 18
When will my deposit post to my account? ................................................................ 18
When will I have access to my funds? ....................................................................... 18
How do I get a copy of my deposit? ........................................................................... 19
I selected the wrong deposit account. What should I do? .......................................... 19
My deposit is complete but the money is not in my account. Why? ........................... 19
Can I use Mobile Deposit for deposits to alternate accounts? ................................... 19
I just received a “time out” error. What does this mean? ............................................ 19
Mobile RDC Guide
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Mobile Deposit
Now you can make check deposits safely and conveniently using the Meriwest Mobile
Banking application (app) for eligible smartphone and tablet devices. Save time by
avoiding lines at the credit union or ATM and deposit checks on your schedule.
Mobile Deposit utilizes smartphone and tablet technology, including the device camera,
to process your check deposit. A current data plan, or Wi-Fi connectivity, is required to
support Mobile Deposit.
Meriwest Mobile Deposit is compatible with the following mobile devices.
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Apple iPhone operating IOS 4.3 or newer
Apple iPod with a camera operating IOS 4.3 or newer
Apple iPad 3+ and iPad 4 or newer
Android devices with a camera with the exception of the Google NEXUS 7
(camera limitations).
 BlackBerry devices are not compatible with Meriwest Mobile Deposit.
Meriwest Mobile Deposit accepts one check per deposit transaction. If you have
multiple checks to deposit, each check must be processed individually.
Mobile Deposit access is subject to approval. Mobile Deposit access and deposit limits
are calculated following a review of your Meriwest account(s) and relationship. Meriwest
reserves the right to change, restrict or cancel Mobile Deposit access without prior
notice. Members not in “good standing” or otherwise blocked from Meriwest services do
not qualify for Mobile Deposit.
Checks Eligible for Mobile Deposit
The following check types are eligible for Mobile Deposit processing.
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Personal Checks
Cashier's or Bank checks
Federal Reserve checks
U.S. Treasury checks
Business checks
Checks Ineligible for Mobile Deposit
Certain types of checks are ineligible for Mobile Deposit processing. If an ineligible
check is submitted the deposit will be rejected. Repeated attempts to deposit an
ineligible check may be considered abuse and access to Mobile Deposit may be
blocked. The following chart lists types of checks ineligible for processing through
Mobile Deposit.
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Type of Check
Description
Not a Negotiable Item
The submitted check image is not a check or is nonnegotiable (coupon, advertisement, etc.)
The submitted check is stale dated. Typically a check
is considered stale dated six months from the date of
issuance. However, checks may have reduced
negotiable periods as with insurance payments,
settlement, rebates, etc.
The check is drawn on a foreign financial institution or
in foreign currency. A domestic ABA Routing Number
recognized by the Federal Reserve Bank is required
for processing Mobile Deposits checks.
The check stipulates that more than one maker
signature is required for the check to be negotiated,
however only one maker signature is present.
The check has been stamped with a derogatory
comment from prior processing. Examples include
Non-Negotiable, NSF, Stop Payment and Duplicate
Presentment.
Check does not qualify as a negotiable item. Examples
include coupons and advertisements made to appear
like a check.
A previously negotiated check represents checks
which have been processed and paid using Mobile
Deposit, ATM, teller or mail on an prior date.
Checks which have been previously deposited and
returned to the Payee unpaid. Substitute checks are
typically printed on yellow paper stock and stamped
with a “copy in lieu of original” stamp. Substitute
checks must be brought to a Meriwest financial center
for processing.
Meriwest does not accept altered checks. Alterations,
can include dollar amount changes, changes to the
date of the check, or adjustments to signatures..
Savings Bonds must be negotiated in person at a
Meriwest financial center.
Meriwest does not accept any 3rd Party Checks for
deposit. Third party checks refer to checks which the
intended recipient has signed over to another, or third,
person.
Meriwest does not accept post-dated checks.
Postdating refers to checks written by the maker for a
future date.
Stale Dated Check
Foreign Institution / Foreign
Currency
Multiple Maker Signature
Requirements Not Met
Derogatory Processing Stamp
Illegible Check / Unable to Process
Previously Negotiated Check
Substitute Check
Altered Check
US Savings Bonds
3rd Party Checks
Post Dated Checks
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Basic Check Verification
Check deposits are rejected from processing whenever basic and required check
elements are missing or incomplete.
The following is a list of the reasons a check will be rejected:
 Missing Maker Signature
 Missing Payee
 Missing Date, Stale Dated, Post Dated
 Missing Written (Legal) Amount
 Missing Numeric (Courtesy) Amount
 Missing or Incomplete Payee Endorsement
 Missing or Incomplete MICR Encoding
 Missing or Incomplete Drawee Bank
When a check is presented for deposit, all areas of the check must be complete and
verified. The following diagram describes the eight (8) points of negotiability:
Endorsement Information
Checks deposited through Mobile Deposit must be properly endorsed with the payee
signature and reference the payee account number and date of deposit. It is also
recommended that the initials “RDC” (Remote Deposit Capture) be added to identify the
check as having been previously deposited using Mobile Capture.
Mobile RDC Guide
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Endorsement requirements are stated in the Mobile Remote Deposit Agreement.
Deposits that do not meet these endorsement requirements may be declined. Please
see following examples of appropriate Mobile Deposit check endorsements.
Mobile Deposit User Screens
To begin using Mobile Deposit, sign into the Meriwest Mobile Banking application. You
may need to update your application to the current version for this new feature to
appear. If the Meriwest Mobile Banking application is not already loaded to your mobile
device, visit the app store.
When your session is complete, it is recommended that you sign out completely from
the application rather than simply closing the application.
List of Services
Log into Meriwest Mobile Banking using your
Meriwest Online Banking User Name and
Password.
The screen will display a list of services
currently available on the app. Mobile Deposit
follows Bill Pay on the list of services.
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Once the Mobile Deposit – Make A Deposit
button is selected, a pop up window will
display. This window will provides Daily and
Monthly deposit limits assigned your account.

Select OK to acknowledge the limits.
Make a Deposit
The terms and conditions of use are found by
clicking the Remote Deposit Capture
Agreement link. Please review this agreement
prior to using Mobile Deposit.
The How it Works button links to a quick
Mobile Deposit help guide.
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How It Works
The How It Works help screen provides easy
instruction for successful mobile deposit
processing.
Make a Mobile Deposit
Step 1 - Choose Account
Use Mobile Deposit to submit a check deposit into your personal or business account,
excluding Individual Retirement Account (IRA), share certificate, or loan. Your deposit
account must be registered for Meriwest Online Banking access to use this new feature.
Meriwest Mobile Deposit accepts one check per deposit transaction. If you have
multiple checks to deposit, each check must be processed individually.
Use Choose Account to Deposit Into to
select your deposit account. The application
will list all your Mobile Deposit accessible
accounts. Individual Retirement Accounts
(IRA), share certificates and loans do not
qualify for Mobile Deposit.
Mobile Deposit can be used to remotely
deposit checks to accounts under your
personal membership only.
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Step 2 - Enter the Amount
Once the deposit account is selected, enter the dollar amount of your deposit.
Larger deposit amounts do not require the use
of a comma. A decimal point is required for all
deposit amounts. (For example, enter 1000.00
instead of 1,000.00)
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The dollar amount entered must match
the amount of the check to be
deposited.
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The app software will read the check
value and validate to the dollar value
entered.
Step 3 - Take Photo of Check
The next step is to take photos of the front and back of your endorsed check. It is critical
that check photos are captured in the correct sequence. The system will reject your
deposit if the photos are not captured in the correct sequence. To ensure a quality
photo, utilize the check frame provided within the application.
Select the Take Photo of Check FRONT
button. Your device’s camera will
automatically be activated.

On the screen a frame will appear. This
frame will help you capture a
successful image of your check.

Photograph the front of your check by
depressing your device camera button.
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Select the Take Photo of Check BACK
button. Your device’s camera will
automatically be activated.

On the screen a frame will appear.
This frame will help you capture a
successful image of your check.

Photograph the back of your check by
depressing your device camera button.
For details regarding check image quality refer to the Image Quality section of this user
guide. For information regarding check endorsement parameters refer to the
Endorsement Information section of this user guide.
Step 4 - Submit Deposit
When steps 1 – 3 are complete, select the Submit button.
Once you select the Submit button, the
screen displays a message indicating your
deposit is being processed.
This is when your deposit securely transmits to
Meriwest for posting to your account.
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Once your deposit successfully completes
processing a Successfully Deposited
message will appear.
If your deposit fails to successfully process,
please see the section titled Error Messages
for the next steps available to make the
deposit.
Deposit Success
Once your deposit is successfully submitted, and the check image passes all image
quality tests, the deposit is sent to your account for credit.
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If your deposit is received on a normal business day prior to 4:30 pm PT, your
deposit will credit your account the same day.
If the deposit is received after 4:30 pm PT on a normal business day, your
deposit will be posted on the next business day.
Deposits submitted on a weekend or Credit Union observed holiday will credit
your account the next business day.
Check Retention
Meriwest recommends original, processed checks be securely stored for 60 days.
Secure storage is a place safe from loss, theft, destruction or compromise.
Once the 60 day retention period has lapsed, the original check must be properly
destroyed eliminating any risk of compromise or re-presentment. Shredding and/or
burning the check are recommended for destruction. Do not place original checks in a
waste or recycle bin unless they have been shredded first.
Email Notifications
The Meriwest Mobile Banking application utilizes email to notify users of successful or
failed Mobile Deposit activity. Below is an email notification chart. Mobile Deposit
emails are sent to the email address archived within your Meriwest Online Banking user
profile.
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If you would like to change your email address for Mobile Banking notifications, sign into
Meriwest Online Banking and select the Account Management tab. You may also
contact a Meriwest Credit Union representative by dialing 877-MERIWEST. Your email
address cannot be changed within the Meriwest Mobile Banking application.
Type of Email
Reason for Email
The following deposit has been Approved.
This email is sent when a deposit is approved
for posting.
This email is sent when an issue is identified
through the verification process and your
check cannot be accepted for deposit. The
reason your check cannot be accepted will be
identified on the email notice.
The following deposit was Discarded due to
the following reason:
Error Messages
Certain circumstances may trigger an error message within the application. In these
instances, the deposit will not process until the error is corrected. If the error cannot be
corrected within Mobile Banking you may take your deposit to your local ATM or
Meriwest Credit Union financial center. Error messages will vary according to the
situation.
Common issues and messages relate to poor
check image quality. To advance past an error
message, tap OK to acknowledge the error
message.
If you receive an error message your deposit
was not successfully deposited to your
account. Review the error message, correct
the error, and begin the deposit process again;
select your deposit account, enter the deposit
amount, and capture new photos of your
check.
For a detailed listing of check errors, and related error messages, please review the
following table.
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Error
Unable to
read check
User Message
“Your check photos do not meet
image quality requirements.
Please resubmit the deposit with
new photos of your check. For
assistance, please call our
Customer Contact Center at 877MERIWEST or visit your local
Meriwest financial center.”
Missing
“We are unable to locate an
Endorsement endorsement on the back of your
check. Please endorse your check
and resubmit.”
Recommended User
Action
Retake the photos to capture a
better picture. If this message
appears again, please bring the
check to the nearest Meriwest
financial center or ATM for
processing.
Endorse the check and retake the
photos. If this message appears
again, please bring the check to
the nearest Meriwest financial
center or ATM for processing.
Duplicate
Item
“Your check has been previously
deposited. For assistance, please
call our Customer Contact Center
at 877-MERIWEST or visit your
local Meriwest financial center.”
Contact a Meriwest representative
for assistance.
Cut Corners
“Your check photos do not meet
image quality requirements.
Please resubmit your deposit with
new photos of your check. For
assistance, please call our
Customer Contact Center at 877MERIWEST or visit your local
Meriwest financial center.”
Retake the front and back of the
check using the guidelines to stay
inside the frames and submit. If
you receive this message again,
please bring the check to the
nearest Meriwest financial center
or ATM for processing.
Amount
Mismatch
“The amount entered does not
match the check amount detected.
Please review your deposit and
resubmit.”
Re-enter the deposit information
and retake the front and back of
the check using the guidelines
and submit. If you receive this
message again, please bring the
check to the nearest Meriwest
financial center or ATM for
processing.
Item is
Ineligible
“Your check does not meet Mobile
Deposit requirements. For
assistance, please call our
Customer Contact Center at 877MERIWEST or visit your local
Meriwest financial center.”
Contact a Meriwest representative
for assistance.
Above Limits “Your deposit limit has been
Mobile RDC Guide
You have reached your daily or
Page 13
Invalid
Amount
reached. For assistance, please
call our Customer Contact Center
at 877-MERIWEST or visit your
local Meriwest financial center.”
monthly Mobile Deposit limit. You
may deposit the check at an ATM
or bring the deposit to the nearest
Meriwest financial center.
“Your check amount exceeds
Mobile Deposit requirements. For
assistance, please call our
Customer Contact Center at 877MERIWEST or visit your local
Meriwest financial center.
You may deposit the check at an
ATM or bring the deposit to the
nearest Meriwest financial center.
Image Quality
All checks deposited through Mobile Deposit must meet quality standards set forth by
the Federal Reserve Bank and corresponding regulations. To ensure mobile deposits
are processed within these standards, Meriwest applies multiple quality assurance tests
to each deposited check. It is the user’s responsibility to capture clear and accurate
images of the check, including the front and back of the check.
If your deposited check image does not meet established Meriwest and Federal
Reserve Bank standards, the following steps can be taken to improve image quality.
When Capturing a Check Image:
 Place the check on a well-lit surface free of clutter. Placing the check too close
to the light source may result in overtly bright or shadowed images.
 The background should be any solid color flat surface. It is recommended that
dark surfaces be used for light colored checks and light surfaces be used for dark
colored checks.
 Keep the check edges within the frame on the screen. Make sure that nothing
else appears within the frame. Failure to properly align the check in the frame
may result in images missing sections of the check.
What is considered a Usable Check Image?
 The correct images are captured using the correct application screens. Verify
that the images match the applicable front and back requirements.
 The front and back check images display the entire check. Nothing else may
appear in the image.
 The front check image must clearly display the payee name, check dollar
amount, date, MICR line and maker signature. The back of your check must
have a proper endorsement.
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Deposit Errors and Reject Reasons
Mobile Deposit checks are reviewed by a Meriwest Credit Union employee prior to
account posting. During the review process, the check is verified as complete and able
to process under applicable Federal Reserve Bank guidelines. Deposits failing the
review process will be rejected with an email notice sent to the Mobile Deposit User.
The following is a list of deposit errors and reject reasons and the necessary action to
correct the deposit:
Reject Reason
Check Missing
Endorsements(s)
To Complete the Deposit
Ensure all parties have endorsed the check and
resubmit the deposit.
Check Missing Maker
Signature
Checks must be signed by the appropriate check issuer
(maker). Return the check to the maker (issuer) or
request a replacement check.
Invalid Payee
Mail the check to Meriwest for deposit to an account that
matches the payee or bring the deposit in to the nearest
Meriwest financial center for teller assistance.
Check Post Dated
Do not deposit the check until the posting date arrives.
Process as normal using Mobile Deposit after the Check
Date.
Check Missing Payee
Checks must be made payable to an account signer or
Meriwest Credit Union. Once the payee field is
complete, process as normal using Mobile Deposit.
Check must display a matching written (legal) and dollar
Check Missing Negotiable
(courtesy) amount to be negotiable. Return the check to
Amount
the issuer or request a replacement check.
Frequently Asked Questions
What is Mobile Deposit?
Mobile Deposit is a free service provided to Meriwest Credit Union members in good
standing. The service, a new feature of the Meriwest Mobile Banking app, offers
electronic check deposit functionality. Checks may be deposited into Meriwest checking
or savings accounts under your personal membership only. The functionality is
dependent on technology found in current smartphone and tablet devices. Meriwest
Mobile Deposit is not supported on BlackBerry devices.
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How does the service work?
After registering for Online Banking and downloading the Meriwest Mobile Banking
application, the free service is available to qualified Meriwest members. For questions
regarding qualification requirements, please contact us at 877-MERIWEST.
Once you’ve logged into the application, there is a menu selection titled "Make a
Deposit". Follow the steps below.
 Select the desired account
 Enter the amount of the check
 Take photos of the front and back of the check with the camera on the smart
phone.
 Submit the deposit
 Instead of requiring the actual check to process the deposit, Meriwest uses an
image of the check to process the deposit.
Is Mobile Deposit safe?
Yes. Meriwest Mobile Deposit utilizes the same security and encryption measures
currently in place with all mobile banking services. Meriwest exercises all necessary
precautions to ensure member deposits are processed securely and safely.
Can I use Mobile Deposit on my cell phone?
Mobile Deposit works on iPhones, iPads and most Android phones and tablets. Older
versions of the Mobile Banking application must first be upgraded to current for the
feature to become available. The Mobile Deposit feature requires the use of your
smartphone or tablet’s built-in camera.
What types of Meriwest accounts are eligible?
Products currently accessible through your Meriwest Online Banking profile are eligible
for Mobile Deposit processing with the exception of Individual Retirement Accounts
(IRA), share certificates and all loan products. Mobile Deposit can be used to process
check deposits to accounts under your personal membership only. Eligible membership
types include:
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Individual
Business
Trust
Can I use the service to fund a new account?
No. You must have an established account, been a member for at least 30 days, and be
authorized to make deposits to the account through Online Banking. If a new account is
requested through Online Banking, the initial funding of the account can be processed
through the Online Banking new account application process only.
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What checks are accepted?
Generally, you may deposit the same types of checks you’d normally deposit at any
Meriwest Financial Center or ATM. We accept checks payable to Meriwest Credit Union
or to one or more eligible account owners. The types of checks that we will accept
through this service include:
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Personal Checks
Cashier's or Bank checks
Federal Reserve checks
U.S. Treasury checks
Business checks
What checks are not accepted?
Meriwest will not accept the following types of checks for deposit using Mobile Deposit:
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Any third party check, i.e., any item that is made payable to another party and
then endorsed to the member by such party.
Any item that has been previously deposited. This includes both Meriwest and
alternate financial institutions.
Any item that is drawn on the same account to which the deposit is being made.
Any item that contains evidence of alteration, tampering or other fraud.
Any check previously converted to a “substitute check,” as defined in Regulation
CC.
Any item issued by a financial institution in a foreign currency other than US
Dollars.
Any item that is “stale dated”, or has aged more than six (6) months from the
date it was written.
Any item that is “postdated” after the date of deposit.
Any item stamped “non-negotiable” (whether stamped in print or as a
watermark).
Any item that has been re-deposited or returned, such as “non-sufficient funds”
or “refer to maker”, or returned for any other reason.
Checks unsigned by the maker.
Postal Money Orders
Traveler's Checks
Are my deposits limited?
Mobile Deposit permits one check per deposit. If you have several checks for deposit,
each check must be deposited individually. There is no limit to the number of deposits
you can submit in a day. However, Meriwest will use your account history, transaction
history and Credit Union relationship, along with other factors, to determine and assign
a daily and/or monthly deposit dollar amount limit.
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Do I need to endorse my check?
All checks deposited through Mobile Deposit must be endorsed by the Payee. It is
required that the check Payee be an authorized signer on the deposit account. The
check should be endorsed with the following: Payee’s Signature, Account Number, Date
of Deposit and the notation “RDC” which represents Mobile Deposit.
Are my deposit amounts restricted?
Yes. Meriwest has determined the daily and monthly dollar amount limits for your
account. Your limits are the calculated result of your account history, transaction history,
relationship with the credit union and other factors. Your deposit limits may adjust as
your relationship with Meriwest grows or changes.
When can I make Mobile Deposits?
You may submit a Mobile Deposit any time of day or night. Mobile deposits received
before 4:30 pm PT Monday – Friday (except holidays) will be processed the same day.
Deposits received after the 4:30 pm PT cut off, or on non-business days, will be
processed the next business day. Business days are Monday through Friday, excluding
holidays.
What should I do with the check after I complete my deposit?
When you sign up for Mobile Deposit you agree to prominently mark each check as
“Electronically Presented” once the check has been deposited and accepted. This
ensures the check is not presented for payment a second time. You also agree to
securely store each original check for a period of sixty (60) days after the check has
been deposited. During this time, you must keep the original check in a secure location.
The check must be properly destroyed once the 60 day retention period has lapsed.
When will my deposit post to my account?
Generally, deposits submitted on a business day prior to 4:30 pm, PT, to an account
determined to be in good standing, will be posted the same day. Check deposits are not
processed on Saturdays, Sundays, or holidays. Normal holds and other restrictions
apply. Refer to our Account Disclosure and Deposit Agreement for complete details.
When will I have access to my funds?
Access to mobile deposit funds follow normal deposit hold and availability rules as
applied to all deposits received at Meriwest Credit Union.
If the deposit is received prior to the 4:30 pm PT cut off for that business day, it will be
posted to the account the same day. If the deposit is received after the 4:30 pm PT cut
off for the business day, it will be reviewed and posted to the account on the next
business day. Business days do not include Saturday, Sunday, or holidays.
For complete deposit restrictions, refer to our Account Disclosure and Deposit
Agreement.
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How do I get a copy of my deposit?
If you need a copy of your Mobile Deposit transactions contact the Credit Union to
request copies of the checks.
I selected the wrong deposit account. What should I do?
You may complete a share to share transfer of funds within the Mobile Banking
application. You may also log into Meriwest Online Banking to move money from one
share to another. Select the “Transfers” option to transfer the funds to the correct
account. You may also utilize the Meriwest Customer Contact Center, a Meriwest ATM,
or financial center teller to move funds between your shares.
My deposit is complete but the money is not in my account. Why?
If the deposit is received prior to the 4:30 pm PT cut off for that business day, it will be
reviewed and posted to your account the same day. If the deposit is received after the
4:30 pm PT cut off for the business day, it will be reviewed and posted to the account on
the next business day. Business days do not include Saturday, Sunday, or holidays.
For complete deposit restrictions, refer to our Account Disclosure and Deposit
Agreement.
Can I use Mobile Deposit for deposits to alternate accounts?
Mobile Deposit can be used to process check deposits to accounts under your personal
membership only. If you need the funds deposited to an alternate membership where
you are a joint owner, you’ll need to deposit the funds first to your own account and then
transfer the funds using either the Mobile Banking application or Meriwest Online
Banking.
I just received a “time out” error. What does this mean?
A time out error can be received whenever data connectivity at the smart phone or
mobile device is compromised or weak. Typically, changing locations will improve signal
strength and allow the deposit to process. However certain geographic areas with weak
or absent cellular or Wi-Fi access may prevent normal Mobile Deposit processing. Also,
a failure to maintain a current data plan with a cellular network may prevent successful
Mobile Deposit processing.
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