Remote Deposit Endorsement Change

When depositing a check through the DCFCU Remote Deposit Capture service through the DCFCU Mobile App, make sure you use the endorsement listed below. Your signature AND “For Remote Deposit Only at DCFCU” underneath are required for all checks deposited via DCFCU Remote Deposit Capture.

If you deposit a check without this mandatory endorsement, the check will be rejected. You will receive an email notification that your deposit was rejected due to the absence of a “restrictive endorsement” at the email address on file for your DCFCU account.   

REMOTE DEPOSIT CAPTURE ENDORSEMENT FAQS

Is this a DCFCU requirement or will all financial institutions have this requirement?

This requirement is the direct result of a change to federal Regulation CC (Availability of Funds and Collection of Checks) and applies to all remote deposit capture services. It affects all financial institutions, not just DCFCU.  Each financial institution establishes its own procedures related to remote deposit capture services. 

Is this endorsement required on all checks I deposit at DCFCU?

No, this endorsement only applies to remote deposits and is not required when you visit a DCFCU branch or DCFCU ATM/ITM to deposit a check(s). 

Why is this endorsement required?  It's so much longer than a regular endorsement.

We know the endorsement is long, and we apologize for any inconvenience this may cause you. This longer endorsement is being used to protect your deposits so that items are not accidentally presented a second time at another bank when they have already been deposited via your DCFCU Remote Deposit Capture service.

If I am depositing a check for my DCFCU business account, do I need to sign my name with the remote deposit endorsement?

No, business clients should endorse the check “For Deposit Only – and indicate the name of the payee on the check” plus “For Remote Deposit Only at DCFCU” underneath.   

If you have any questions, please call our Contact Center at 305-471-5080.