Online Banking

Deposits can be made to any share or share draft checking account to which the member is an owner.

Android, iPhone, iPad and some Windows devices can be used.

There are several ways to sign up for RDA:

• Through Heritage Mobile – Using our app, you can enroll in RDA with the push of a button
• At the branch – Teller can complete the Enrollment form
• By phone – A Representative can complete the Enrollment form
• By requesting RDA in Heritage Online via Secure Message

You must meet the following criteria to use Remote Deposit:

• Be enrolled in Heritage Online (online banking)
• Downloaded and installed our latest mobile app
• iPhone & iPad– minimal version 3.10.1
• Android – minimal version 3.13.1
• Must have a share account and meet the credit unions acceptance criteria
• Must have 60 days of positive activity
• Must be at least 18 years of age
• Current mailing and residence address on file
• No HFCU loan delinquency of 30 days or more
• No overdrawn account balances of 16 days or more
• Cannot have caused the credit union a loss

No, this is a free service.

Using Remote Deposit on the Heritage Mobile App – a picture is taken of both the front and the back of the check. The amount of the check is entered and the account for deposit is selected. Clicking on Deposit will send the information to the credit union for processing. A confirmation message will be delivered to the member indicating the status of the deposit within a few moments.

You’ll see a confirmation message when:

• Submitted – deposit has been submitted to the CU
• Duplicate – deposit has been already been processed
• Poor image quality or no endorsement – ensure that the images are clear.
• Check for proper endorsement
• Signature
• For deposit only (You must endorse your check “For Deposit Only”)
• Deposit limit reached – total allowable amount in either check amount or count has been reached for the current 30 day period.

Confirmation e-mails – approved or declined – will be sent to the email address you provide in Heritage Online. Declined messages will indicate why the deposit was rejected.

All checks should be endorsed with the payees’ signature. The words, “For deposit only” should be written underneath. Deposit tickets are not required and will not scan. Deposited checks should be retained in a secure area for a minimum of 15 days.

Ineligible items include:

• Checks payable to any person or entity other than the account owner
• Checks that have been altered in any of the check fields
• Checks that are not payable in US dollars
• Checks that are stale or post dated
• Checks that are stamped “non-negotiable”
• Any third party check (a check made payable to another party and “signed over” to the depositor)

Deposit Limits for Consumer Accounts:
All members enrolled/enrolling in Remote Deposit will be permitted 5 items per day with a cumulative daily limit of $1,000.00 and 20 items per month with a cumulative monthly limit of $5,000.00. The hold time for an item is 3 business days.

Deposit Limits for Business Accounts:
Business Level 1– Deposit limitation of 10 items per day with a cumulative daily dollar amount of $2,500.00 and 20 items per rolling 30 days with a cumulative daily dollar amount of $5,000.00.
Business Level 2– Deposit limitation of 10 items per day with a cumulative daily dollar amount of $5,000.00 and 20 items per rolling 30 days with a cumulative daily dollar amount of $10,000.00.

NOTE: A member can request higher deposit limits. Consideration will be then be determined and set on an individual basis upon approval.

Accepted deposits can be viewed in the account immediately. There is a 3 business day hold placed on all deposits. The release/availability date will be viewable in the Account Summary.