Frequently Asked Questions
What is remote deposit capture?
Remote deposit capture (RDC) allows you to deposit checks made payable to you without having to come into a branch. You simply take a photo of the front and back of the check, enter in the amount, and select which account you want to deposit it into – it’s that simple! You will want to ensure that checks you deposited are signed by the payer and are endorsed by you with “Deposit to HAPO” written on the back to avoid having a deposit reversed.
Is RDC safe/secure?
Yes. RDC uses the same level of security as HAPO’s online banking to ensure that your deposits and personal information are safe.
Is there a cost to use RDC?
No, RDC is a free service to our members.
If I discover I’ve entered an incorrect amount for a deposited check, should I re-deposit the check?
No. The check can only be deposited once. Your deposit will be reviewed by a HAPO employee and adjusted for the correct amount. A HAPO employee will contact you if there are any issues accepting the deposit.
Can I deposit more than one check per day?
Yes, 10 checks can be deposited per calendar day.
What types of checks are allowed via RDC?
Acceptable check types include: Personal checks, business checks, money orders, traveler’s checks, and cashier’s checks or certified checks drawn on U.S. institutions.
What types of checks are not allowed via RDC?
Unacceptable check types include:
- Third-Party Checks: The deposit of third-party checks is prohibited. Deposits of this nature may result in immediate termination of RDC services.
- HAPO Checks drawn on personal account: The deposit of a personal check that is drawn on the same account holder’s personal checking at HAPO is prohibited. Deposits of this nature may result in immediate termination of RDC services.
- Foreign Checks: Any checks drawn outside of the United States must be brought into a HAPO branch to be negotiated.
- Altered Checks: An altered check is any check that has been changed from its original state (white out, crossed out amounts, etc.). These checks will be rejected post deposit and a new check will need to be reissued.
- Stale Dated Checks: Unless stated otherwise on the check, all checks are void after 180 days of issuance.
- Incomplete Items: Any check that has missing information (signatures, amounts, etc.) is subject to be rejected.
- Non-negotiable Items: Any item stamped with a “non-negotiable” watermark is prohibited.
- Damaged Checks: Non-legible Checks
What should I do with my check after using RDC?
You should keep your check for 60 days after you deposit it. You can shred the check after the 60 days has passed.