Anywhere Deposit: Frequently Asked Questions
IMPORTANT: You must have Java 1.6 installed on your computer in order for Anywhere Deposit to operate correctly.
Q. What is Anywhere Deposit?
A. Anywhere Deposit is a convenient remote deposit service that enables you to make deposits using Internet Banking along with a scanning device from your home, office or any location with secure Internet access.
Q. What are the fees for the service?
A. Anywhere Deposit is provided to our members free of charge.
Q What are the benefits of using Anywhere Deposit?
A. You don't need to visit one of our branch offices or go to a CU Anytime ATM to make check deposits.
Q How does Anywhere Deposit work?
A. Anywhere Deposit enables you to deposit checks from your home or business using a scanner-equipped computer through our Internet Banking service. No software or special equipment is required; the program works with common flatbed or all-in-one style scanners. For a full explanation, take this tutorial.
Q. When are Anywhere Deposit items processed?
A. Items received by 3:00 p.m. (MST) will be posted the same business day. Items received after 3:00 p.m. will be posted the following business day.
Q. Can I view a statement or history of deposits?
A. Yes. When you are in Anywhere Deposit, you will see a "History" link at the top left of your screen.
Q. Can I print out a copy of an Anywhere Deposit check?
A. Yes, you can print them from your History screen in Anywhere Deposit up to 60 days from the date of the transaction. Thereafter, you will need to request a copy just like any other deposited item.
Q. Do I need to sign an agreement before I can start using Anywhere Deposit service?
A. Yes, you must agree to the Terms and Conditions for Anywhere Deposit that are displayed within Internet Banking when you first access this service.
Q. Can I scan a check right away?
A. Yes, immediately after you access Anywhere Deposit for the first time.
Q. How do I log into Anywhere Deposit?
A. You are "logged in" as soon as you start an Internet Banking session. When you reach the welcome page for Internet Banking, go to the orange main navigation bar near the top of the page and click on "Anywhere Deposit."
Q. What types of accounts can I scan deposits into?
A. Any of our personal or business checking accounts.
Q. Can I still bring check deposits into a branch office?
A. Yes. After you are registered for Anywhere Deposit online service, you can still make deposits in whatever method is most convenient for you.
Q. What emails should I expect to receive regarding Anywhere Deposit?
A. You will receive a “welcome” email when you first start using Anywhere Deposit. You will also receive an email if a transaction is refused.
Q. What email address will I see when I receive communications about Anywhere Deposit?
A. The sending email address will be: DO_NOT_REPLY@onlinedep.org. For some members, these emails may be filtered into "Junk Mail" or "SPAM" folders, so be sure to check those folders periodically.
Q. If I do not receive a confirmation email for Anywhere Deposit service, what should I do?
A. Your email address that we use for Anywhere Access Internet Banking is the same address that we use for all email communications to you. Confirm that we have your current email address by emailing us at info@nmefcu.org or calling 889-7755 (800-347-2838 from outside the Albuquerque area).
Q. What types of checks can I scan for online deposit?
A. Single-party domestic checks made payable to the owner(s) of your New Mexico Educators Federal Credit Union checking account.
IMPORTANT NOTE:These items CANNOT be used with Anywhere Deposit and will need to be brought to one of our branch offices:
- savings bonds
- foreign checks
- third party checks
- checks written from your account at another financial institution
- items stamped "non-negotiable”
- incomplete checks
- stale-dated checks (more than 6 months old)
- post-dated checks (dated for a future day)
- any checks that contain evidence of alteration to the information
- checks purporting to be a lottery or prize winning
- checks previously submitted for deposit
If you have any questions, email us at info@nmefcu.org, or call us at 889-7755 (800-347-2838 from outside the Albuquerque area).
Q. What do I do if I have questions about Anywhere Deposit service?
A. Online help screens are available during any Anywhere Deposit session.You can also email us at info@nmefcu.org - or call us at 889-7755 (800-347-2838 from outside the Albuquerque area) Monday through Friday 7:30 a.m. - 6:00 p.m. and Saturday 9:00 a.m. - 2:00 p.m. (Mountain Time). You can also ask questions through Internet Banking's “live chat” or secure email.
Q. How many checks can be included in one deposit?
A. Only one check can be submitted at a time with Anywhere Deposit.
Q. Is there a daily limit to the total deposit amount?
A. Yes. We will not accept more than $10,000 a day per membership. Additionally, there is a limit on the availability of deposited funds – typically a 2 business day hold.
Q. Can multiple deposits be submitted during one day?
A. Yes. You can even have several scanning sessions per day. However, there may be a 2 business day hold placed on all the items deposited that day. If you have any questions about daily limits, please email us at info@nmefcu.org, or call us at 889-7755 (800-347-2838 from outside the Albuquerque area).
Q. How far back can I get copies of the checks I have scanned?
A. Anywhere Deposit contains copies of checks scanned over the past 60 days. They are available on your History page. If the check was deposited prior to that, you can request a copy by visiting any of our branch offices, emailing us at info@nmefcu.org - orby calling 889-7755 (800-347-2838 from outside the Albuquerque area).
Q. Will holds be placed on checks submitted through Anywhere Deposit?
A. Yes, they may be. All deposits are subject to the Terms and Conditions in the ACCOUNT INFORMATION brochure you received when you joined the Credit Union.
This Terms and Conditions information is also available on our website. At the bottom right of the home page, click on "Truth-in-Savings Disclosure ." Deposits will be held the same way they are held at an ATM.
Q. Can I expect that all checks will scan correctly?
A. No. Variation in check sizes, colors and designs can impact the readability of the check. If a check does not scan, you will be notified by email and asked to bring it to one of our branch offices, or mail it with a checking deposit slip to: Mail Teller, New Mexico Educators Federal Credit Union, P.O. Box 8530, Albuquerque, NM 87198. NOTE: It is for this reason that we recommend that you not destroy your checks for 45 days.
Q. How can I review my online deposit transactions?
A. By clicking on "History" while you are in an Anywhere Deposit session.
Q. What should I do with a check once it has been scanned successfully?
A. Store it in a secure location for at least 45 days, then destroy it (preferably with a shredding machine).
Q. I made a deposit in the morning and got an overdraft fee that day. Why?
A. Charges for processed checks are posted all day. If a scanned deposit was included in a batch for a posting time after the debit transaction was presented, the deposit was not yet available to pay the debit transaction, which could result in an overdraft. Debit transactions (debit card, checks, or ACH charges) should not be authorized prior to the time when you have funds available in your checking account. Charges for processed checks are posted throughout the business day.
Q. I scanned a check, then I received an email instructing me to bring the check to a branch office. Why?
A. The scanned check was outside the criteria for your account. There can be various reasons for this, but generally it would be due to the check being illegible. Therefore, the check should be brought to one of our branches.
Q. The amount I entered for a deposit is different from the amount I got credit for. Why?
A. After reviewing the deposited item, it was determined that the amount entered was different from the legal amount on the check. You should refer to the image on your History page in Anywhere Deposit to verify this information. If you still have a question, email us at info@nmefcu.org - or call 889-7755 (800-347-2838 from outside the Albuquerque area).
Q. My transaction says “complete,” but I don't have a credit in my account. Why?
A. Throughout the business day, you can confirm your online deposits by going to the History page in Anywhere Deposit. "Complete" in the Anywhere Deposit history indicates that the Credit Union's review of the item has been completed. However, the item may be part of a batch file that not yet been posted to your account. Deposits that have posted will be in the Transaction History on your Anywhere Access Internet Banking checking account page.
Q. When I scan a particular check, I can see the check image, but the written information is blank. Why?
A. Some ink colors are too light for scanners to read. This may also be the result of the check having been written with a gel pen. If you are unable to view the written information on your computer screen, you should bring the check to one of our branch offices. If you submit the item through Anywhere Deposit, you will receive an email that the check is illegible and needs to be brought into a branch.
Q. I can't see images of checks/receipts. What are the minimum system requirements for Anywhere Deposit?
A. The basic equipment specifications for using this online deposit service are:
- Windows XP®, Windows Vista® or MAC OS X
- Internet Explorer® 6 (or later), Firefox 2 (or later) or Safari 3 (or later)
- High-speed Internet connection
- TWAIN compliant document scanner
- Java SE version 1.6 or higher
- PC with a minimum 2 Ghz processor, Pentium 3 or better
- Minimum 512 MB of RAM
- Norton Security or similar Firewall, Virus, Malware, and Spyware protection
Q. When I enter Anywhere Deposit, a pop- up screen states the scanner is not present. What does this mean?
A. If you enter Anywhere Deposit and your scanner is not detected, Anywhere Deposit informs you that a scanner is not connected and therefore you are unable to scan and deposit a check. However, you will still be able to check your History and view items scanned previously.
Q. My scanner won’t work. What should I do?
A. Due to the wide variety of scanners available, we cannot provide technical support for computer or scanning equipment. You should contact the manufacturer to diagnose your scanning problems.
Q. What do I do if I wish to cancel Anywhere Deposit?
A. Cancelling is not necessary. This service is available for you to use as needed.
Q. Why do I keep getting timed out while I'm in an Anywhere Deposit session?
A. You need to change your time out settings through the User Options of Anywhere Access Internet Banking.
Q. Once Anywhere Deposit opens, all I see is a white box with a red X. Why?
A. Your version of Java is not high enough to run this application.
- Click to open the Control Panel on your computer.
- Click Add/Remove Programs in Windows XP or Programs in Windows Vista.
- Locate the icon titled Java. Right click and select Properties. This should show you the version number of Java your computer is currently running. If you have a version less than Java 1.6, you will need to download and install a newer version from www.Java.com.
Q. Why doesn’t my scanner appear in the list of available scanners?
A. Your scanner must have a TWAIN driver loaded on your computer in order to scan a check. If necessary, contact the manufacturer of your scanner.
Q. When I click on the receipt or check image icon, nothing happens. Why?
A. Your pop-up blockers may prevent the opening of new windows within Anywhere Deposit. You will need to turn off these blockers in order to view certain links.
