Using the Mobile Deposit App

Using the Mobile Deposit App
Mobile Deposit Quick Reference Guide
Using the Mobile Deposit App
Objective
By following this guide, you will be able to install and use the Kitsap Credit Union Mobile Banking App.
Additionally, you’ll be able to assist others through the process.
Requirements
The Mobile App is only available for Android™ and Apple™ devices. Your device should be running the
latest operating system. However, the last 2 major software versions are supported.
The app requires a minimum of 512 MB RAM available on the device to complete the transaction.
Although your phone or tablet may have the minimum requirements, it may have Apps running in the
background that would decrease this availability of RAM.
Always ensure your device is not running Apps in the background. This can affect the amount of RAM
available on the device at a time when you’re trying to complete a remote deposit.
It is recommended that you close out all apps prior to making a deposit.
Installing or Updating the App
•
Access and download the Kitsap Credit Union Mobile App through either the App Store℠ for the
iPhone™ or Google Play™ for the Android™.
•
If this is an update to the existing app, the phone or tablet will show that the app needs updating.
Use either the App Store℠ or Google Play™ to update.
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Mobile Deposit Quick Reference Guide
Initializing the App
1. Once the App is downloaded, the device
will need to be registered. Follow the
prompts on the App to complete the
process.
Upon completion, the Deposit Checks
option will be available on the menu.
2. Tap the Deposit Checks area to access the
End User Agreement (EUA). The
Agreement will need to be accepted or
declined.
3. If the EUA is declined, you will not be able
to deposit checks remotely.
You can either call Kitsap Credit Union or
click OK. Clicking OK will allow you to
accept the EUA.
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Mobile Deposit Quick Reference Guide
Initializing the App
4. If the EUA is accepted, you will go directly
to the Deposit Checks screen.
Depositing a Check
1. When ready, tap the Deposit
Checks area on the App. The
Deposit Checks screen will display.
2. If you have more than one account,
you will need to select the account
you wish to use.
Clicking the To area will display the
available accounts.
Tap the account you wish to use.
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Mobile Deposit Quick Reference Guide
Depositing a Check
3. Tap in the Amount area and enter
the amount of the check you are
depositing.
Remember you cannot deposit a
check larger than $5000.00
Click the Deposit button.
4. The Front Photo button will be
displayed
5. Your phone’s camera will be
enabled to take the photo of the
front of the check.
If this is your first mobile deposit,
the App provides tips on capturing
the check.
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Mobile Deposit Quick Reference Guide
Depositing a Check
You may be prompted to permit
the App to access the camera.
Tap the photo to capture the
check.
You will have an opportunity to
retake the picture if needed.
Tap Keep Picture to continue to the
back.
6. You will then be prompted to
capture the back of the check.
If this is your first mobile deposit,
App provides tips on capturing the
check.
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Mobile Deposit Quick Reference Guide
Depositing a Check
Remember you will need to
endorse all checks with your
signature and “For KCU Mobile
Deposit only”. KCU reserves the
right to reject all items not
endorsed as specified.
It’s recommended that you also
include your Account number on
the check.
Tap the photo to capture the
check.
7. You will now be asked to confirm
the deposit and click Deposit to
submit.
8. When successfully submitted, the
Success! screen will display. You
need to retain your check for 45
days.
You can then Deposit Another
Check or Go To Your Accounts.
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Mobile Deposit Quick Reference Guide
Depositing a Check
9. The deposit will display in the App’s
history.
You will receive two systemgenerated e-mails concerning your
deposit. The first will be a
confirmation that the deposit was
received. The second will be a
notification that the deposit was
approved.
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Mobile Deposit Quick Reference Guide
Common Errors
The following are normal mistakes that can happen when capturing a check. Most are easily
remedied by re-entering the information or re-capturing the image.
Note: Majority of these examples are taken from the Apple™ iPhone™.
Folded or torn corners
If the check has folded corners or is
torn, the App will reject it. The
transaction will need to occur in a
branch.
Front image is not legible
In the event that the image of the
front of the check is not legible, this
error will display. Tap the OK area
and re-take the photo.
Amounts not matching
If you enter an amount that is more
or less than the amount on the
check, the App will display an error.
Tap Enter New Amount and reenter.
P.O. Box 990, Bremerton, WA 98337 ▪ (360) 662-­‐2000 ▪ (800) 422-­‐5852 ▪ kitsapcu.org Page | 8
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Mobile Deposit Quick Reference Guide
Common Errors
The following are normal mistakes that can happen when capturing a check. Most are easily
remedied by re-entering the information or re-capturing the image.
Note: Majority of these examples are taken from the Apple™ iPhone™.
Bad Check Capture
If the check is not captured properly,
you will be prompted to retake the
photo.
Ineligible for Deposit Service
If the ineligibility message appears,
your account has been prohibited
from using Mobile Check Deposit for
a specific reason.
Please contact your branch or
Contact Center to learn more.
Routing and account numbers
unclear
Transactions can be captured and
accepted but later rejected. This can
be due to the Routing or Account
Numbers being incorrect, altered or
unclear.
The next step would be to visit the
branch or call the Contact Center to
investigate the issue.
P.O. Box 990, Bremerton, WA 98337 ▪ (360) 662-­‐2000 ▪ (800) 422-­‐5852 ▪ kitsapcu.org Page | 9
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Mobile Deposit Quick Reference Guide
Common Errors
The following are normal mistakes that can happen when capturing a check. Most are easily
remedied by re-entering the information or re-capturing the image.
Note: Majority of these examples are taken from the Apple™ iPhone™.
Rejected Image Capture
This error includes:
•
•
•
•
Back image too dark
Front image file too small
Front image too dark
Front image too light
You will need to recapture the
image.
Check Element Not Recognized by
App
If the App cannot read a specific
element of the check, you will be
prompted to check the photo and
retake if necessary.
As shown, the elements can include
any of the following or combination
of them:
• Date
• Signature
• Payee
P.O. Box 990, Bremerton, WA 98337 ▪ (360) 662-­‐2000 ▪ (800) 422-­‐5852 ▪ kitsapcu.org Page | 10
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Mobile Deposit Quick Reference Guide
Common Errors
The following are normal mistakes that can happen when capturing a check. Most are easily
remedied by re-entering the information or re-capturing the image.
Note: Majority of these examples are taken from the Apple™ iPhone™.
Rejected Deposit
A deposit may be rejected for
different reasons. The majority of
the time, the reason will be
explained.
•
•
Savings Bonds cannot be
deposited and must be
deposited at the branch.
Travelers Checks cannot be
deposited and must be
deposited at a branch.
Amount Exceeds Limits
If your deposits exceed the daily
limits, you will be unable to
complete that transaction.
The App will display the running total
for the business day. It’s
recommended that you hold the
deposit until the next business day.
General Camera Issues
For Android™, the minimum pixel resolution is a width of 1600 for the camera specs. The app supports a
minimum of 1600 pixel width to have enough resolution for proper check image detail extraction. This
approximately equates to a camera with a 3.3 megapixel range depending on the height/ width specs.
It’s best to consult your Owner’s Manual
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