August 14, 2020

Woman holding check and cell phone

Over the last year, much of our lives have changed thanks to the global pandemic. One thing that hasn’t changed is our commitment to helping you streamline your banking. LUSO Federal Credit Union proudly offers the technology you need to keep track of your finances and manage your account(s) online.

With strict social distancing guidelines in place, many people still wish to avoid public buildings, but still need to make deposits into their accounts. Thankfully, our members can deposit checks—any time, from anywhere—using the Remote Deposit Capture feature of our mobile app. It’s as easy as Snap, Tap, Deposit!

Tips for a Flawless Remote Deposit

  • Take check pictures in a well-lit area for best imaging - a flat surface is best
  • Keep hands and fingers away from the camera lens
  • Make sure the check amount you enter matches the amount on the check
  • The maximum check amount for consumers is $2,500; the maximum check amount for commercial is $5,000.
  • Keep checks from getting creased or torn - deposit errors can result when checks are unreadable
  • Include Restrictive Endorsement ("For Remote Deposit Only at LUSO Federal Credit Union); improperly endorsed checks may be rejected 
  • Save the check until you confirm the deposit by checking your mobile account balance. We recommend keeping the check for 30 days, just in case

Step-By-Step Deposit Directions

  1. Launch the LUSO mobile app, log into your account, and tap on the menu button in the upper right corner of the app
  2. Tap on "Deposit a Check"
  3. Tap "— Select an Account —"
  4. Tap on the account you want to deposit your check into
  5. Tap on the "Check Amount" field and type in the amount of your check
  6. Tap “Click Here to Take Picture”
  7. Align the check to fit in the green guidelines and tap the screen to capture the image (if it’s too dark or blurry you can re-take the picture by tapping the image)
  8. Tap “Click Here to Take Picture” to take a picture of the back of your check
  9. Align the check to fit in the green guidelines and tap the screen to capture the image (if it’s too dark or blurry you can re-take the picture by tapping the image)
  10. Once you have both images successfully captured tap “Make Deposit”
  11. You will receive the message “Your check has been deposited” along with a transaction ID and instructions on what to do with your deposited check
    Note: Funds will typically post to your account within 2 days of receipt and may be held for up to 2 business days (Note: checks over $3,000 are held for 7 business days). Please retain your deposited check for 30 days and then securely destroy it.
  12. You can now tap “Deposit Another Check” if you have additional checks, or you can click the Arrow in the upper left corner to go back to Mobile Banking If you have any questions regarding Remote Deposit Capture, please call our Member Services Department by dialing 844-587-6328 and pressing option 3.

Download our Mobile App

With the LUSO mobile app, securely access your accounts to check balances, pay bills, transfer money, and deposit checks. Find it on the App Store for Apple devices or on Google Play for Android devices. (Data rates may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.)

LUSO Federal Credit Union is a not-for-profit, member-owned financial cooperative dedicated to providing members with quality financial services and products. We at LUSO pride ourselves on serving the financial needs of our members and helping them save for the special occasions in life.   

Feel free to contact our Ludlow branch toll free at 1-844-LUSO-FCU or our Wilbraham branch at 1-800-808-5876.


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