Remote Deposit FAQs

To deposit a check, you must first have access to Online Banking. You must get a password (four-digits) from Firstmark Credit Union in person or through the member contact center (210) 442-0100 or (800) 683-1211.

Open A Checking Account

Mobile iOS and Android

Visual Guide To Deposit Checks on iPhone

Visual Guide To Deposit Checks on Android

I am getting a message inside of my app that says "Account Not Active"

You must first authenticate mobile banking from online banking via the Firstmark Credit Union website.

  • Click on the Options tab
  • Then click on Mobile Settings
  • Check Enable web access for your mobile device
  • Enter your mobile phone number
  • Choose your wireless provider. NOTE: If you are a Cingular user that merged into AT&T, please select Cingular as your carrier.
  • Select the accounts you want to access from your mobile phone
  • Click the Submit button and a text message will be sent to your phone
I am getting a message "Online Agmt Needed" when I try to log into my account via the app.

You must first log into online banking via the Firstmark Credit Union website and accept to the new Terms and Conditions Agreement. Once you accept the new agreement, you will be able to log into the app.

Online Agmt Needed

I do not see the "More" button in my app?

If you do not see the "More" button, then you will need to call (210) 442-0100 to get setup. In order to be setup for "Remote Deposit" access, your account must be in good standing.

  • Must be over 18 years of age
  • Account must be open for a minimum of 30 days
  • Account must be in good standing
    • loans cannot be in delinquency status
    • Cannot have any charged off loans or shares
    • Cannot have derogatory action placed on accounts
        • Excessive NSF history
        • Member Privilege revoked from account
When I click on the button "Make Deposit" inside of online banking, I get a screen asking for my User Name, Password and Company. Why am I seeing this page?
Make Deposit

 

You are getting this page because your account did not meet the following criteria:

  • Must be over 18 years of age
  • Account must be open for a minimum of 30 days in good standing:
    • No loans in delinquent status
    • No charged off loans or shares
    • No derogatory action placed on accounts (e.g., excessive NSF, Member Privilege revoked, etc.)

If you feel that you have reached this page in error, please contact us at (210) 442-0100.

How do I get remote deposit?

If you do not have remote deposit, then you will need to call (210) 442-0100 to get setup. In order to be setup for "Remote Deposit" access, your account must be in good standing.

  • Must be over 18 years of age
  • Account must be open for a minimum of 30 days
  • Account must be in good standing
    • loans cannot be in delinquency status
    • Cannot have any charged off loans or shares
    • Cannot have derogatory action placed on accounts
        • Excessive NSF history
        • Member Privilege revoked from account
I do not see remote deposit in my app?

If you do not have remote deposit, then you will need to call (210) 442-0100 to get setup. In order to be setup for "Remote Deposit" access, your account must be in good standing.

  • Must be over 18 years of age
  • Account must be open for a minimum of 30 days
  • Account must be in good standing
    • loans cannot be in delinquency status
    • Cannot have any charged off loans or shares
    • Cannot have derogatory action placed on accounts
        • Excessive NSF history
        • Member Privilege revoked from account
How do I access remote deposit?

There are a few ways to access remote deposit: If you do not have the "Remote Deposit" tab located in tabs across the top of online banking, then you will need to call (210) 442-0100 to get setup. In order to be setup for "Remote Deposit" access, your account must be in good standing.

  • Log into Online Banking via your desktop browser and click the "Make Deposit" tab located at the top of the page
  • Make sure you have first registered your mobile device. Log into Online Banking via your iPhone, click the "More" icon, then click the Deposit button
  • Make sure you have first registered your mobile device. Log into Online Banking via your Android phone, click the "Deposit" icon
Can I use Remote Deposit Anywhere to deposit checks into my business account(s)?

At this time, Remote Deposit Anywhere is only available for personal accounts.

What options do I have for making Remote Deposits?

You can make deposits using your iPhone/iPad, Android device, or Home Scanner.

  • iPhone/iPad: Log into Online Banking, click the More icon, then click the Deposits button.
  • Android Device: Log into Online Banking, then click the Deposits button.
  • Home Scanner: Log into Online Banking via your desktop browser and click the Make Deposit tab located at the top of the page.
I downloaded the app but am unable to login?

You must first register your mobile device

I am experiencing some very slow response times with I try to look at my account detail.

Most likley you may have changed your Transaction settings to "All." To adjust the amount of transactions that get pulled from our server, log into the full version of online banking from your desktop browser, go to Options > Display, and change Transactions to "Last 30 Days." Now log into online banking via your mobile app to confirm that your response time has improved.

To register for mobile banking you need to enable web access for your mobile device. First, log into Online Banking
  • Click on the Options tab
  • Then click on Mobile Settings
  • Check Enable web access for your mobile device
  • Enter your mobile phone number
  • Choose your wireless provider. NOTE: If you are a Cingular user that merged into AT&T, please select Cingular as your carrier.
  • Select the accounts you want to access from your mobile phone
  • Click the Submit button and a text message will be sent to your phone
Are there any limits to how much I can deposit?
  • Maximum daily deposits items: 5 per day
  • Maximum daily Amount: $2,500.00
  • Maximum monthly $77,500
What kind of checks can I deposit through Remote Deposit Anywhere?

With the exception of Foreign Checks, and Money Orders, you can use remote deposit the same as the teller line. You can only deposit 3rd party checks when you are joint account holders.

When will my deposit show on my account?
  • On business days (Monday thru Friday): Remote deposits will be posted to an account after 5:00 p.m. on the date of the deposit.
  • Deposits made after 5:00 p.m., or on weekends or holidays, will be processed the following business day after 5:00 p.m.
  • Remote Deposits may be subject to a three-day hold. This can happen: to a new user, when the check is missing information (e.g., signature, date, issuer, endorsement), or because of account status issues.
Is there a cut-off time to make my deposit?
  • If you make a deposit with Remote Deposit Anywhere before 5:00 p.m. (CST) on a business day, we will consider that day to be the day of your deposit. However, if you make a deposit with Remote Deposit Anywhere after 5:00 p.m. (CST), on a weekend or federally observed holiday, we will consider that the deposit was made on the next business day.
How do I get the best image of the check using Remote Deposit Anywhere?

Please remember to endorse the check before you take a picture or scan it. If you don't, the payer's bank may choose not to pay it, and the deposit to your account will be reversed.

  1. Flatten the check and place it on a dark, non-reflective surface.
  2. Make sure there is enough light to distinguish the check from the background.
  3. When the image is displayed for you to review, if it is not readable, tap "Retake" to retake the picture of the check.
  4. If Remote Deposit Anywhere can not correctly interpret the writing on your check, you can always deposit the check at any one of our branch locations
Where can I find the terms and conditions for Remote Deposit Anywhere?

It can be viewed the first time you click on Remote Deposit Anywhere within the app; with an additional link to the Remote Deposit Anywhere Agreement.

Why would a deposit be held for review?

If you are not a new user and get the "held for review" message, most likely the check is missing information such as MICR, signature, date, maker, endorsement, possible duplicate or bad image quality.

How do I endorse a remote deposit check?

To endorse a check for deposit through our mobile app, you must:

  • Sign the check
  • write your Firstmark Credit Union account number
  • write For Deposit Only
What do I do with my check after I have sent the image?

A processing deposit confirmation will be sent to the email address currently set in Online Banking under Options.

For your protection, record the confirmation number on your check. Retain it until the funds are available in your account balance. After 60 days, you should properly destroy or shred the check.

I continue to take photos of the front and back of my check, but it will not let me deposit the check.

If you notice that the green check mark disappears on the "Check Front" after you take a photo of the "Check Back" and vise versa, then you may need to restart the phone.

Your phone and the Firstmark App are not working together correctly and need to be rebooted. Power down the phone completely then turn back on. Once the phone is back on, log back into your account and try to redeposit your check.

I do not have the option to deposit checks on my iOS device.

Make sure you have the latest update. Go to the App Store and check updates. If you have version 2.7.4 then you will need to call (210) 442-0100 to get setup if your account is in good standing.

I do not have the option to deposit checks on my Android device.

If you have version 1.1, you will need to go to Google Play and download our new Android app, version 2.0. It is a different app than version 1.1 so you may want to delete the old app before downloading the new app to avoid confusion. If you have version 2.0 then you will need to call (210) 442-0100 to get setup if your account is in good standing.

Desktop Home Scanner

Visual Guide To Deposit Checks On Your Scanner

Desktop Scanner System Requirements

Windows:

Internet Explorer 7 or higher
Firefox 3.6.x or higher
Windows XP or Vista (except Starter or Home Basic);
Windows 7
High speed internet connection
TWAIN or WIA compatible flatbed scanner *

Macintosh:

OS Version 10.6.x (Snow Leopard)
Safari Version 5
High speed internet connection
TWAIN or WIA compatible flatbed scanner *

*Not all TWAIN compatible scanners implement the necessary TWAIN methods needed to capture images through third party applications.

I click on the "Make Deposit" button and nothing happens?

Make sure you allow pop-ups in the browser so that the scanner interface can be accessed.

My scanner is not in the drop-down list?

You many need to restart your computer before it becomes available in the drop-down menu.

What is TWAIN?

A TWAIN driver is a universal standard software tool that communicates between your scanner and other applications on your computer. TWAIN drivers are usually installed at the time the scanner is installed on your computer.

If you do not see a TWAIN driver in the drop down box, please contact your scanner manufacturer and request a TWAIN driver.

Can I use WIA (Windows Image Acquistion)

These drivers are not supported at this time, and will not work with the RDA™ application.