Remote Deposit Capture

Remote Deposit Capture (RDC) is a service by which you can deposit checks into your account by sending us a photo of the front and back of the check with your smartphone or tablet.

Members must request this service individually through the BCoop mobile app. You will be informed whether you qualify and what daily deposit limit will apply.

Please read the Remote Deposit Capture Terms and Conditions when enrolling in RDC to understand your rights and responsibilities, and how to use RDC.

Brooklyn Coop does not charge a fee for RDC. You may incur data fees from your mobile service provider.

How to Enroll in RDC

(1)

Enroll in Brooklyn Coop’s online banking. Set up your online account from a desktop computer at brooklyn.coop.

(2)

Download the BCoop mobile app onto your smartphone or tablet.

(3)

In the App menu, tap on “Deposit” or “Mobile Deposit.”

Click Image to Zoom.

(4)

It will tell you that you must enroll first, which you do by filling out a form. You will also be asked to confirm that you are “not a robot,” a necessary step for preventing fraudulent accounts.

Click Image to Zoom.

(5)

We will inform you in 2-3 business days whether you are enrolled and what your daily deposit limit is.

How to Enroll in RDC

(1)

Enroll in Brooklyn Coop’s online banking. Set up your online account from a desktop computer at brooklyn.coop.

(2)

Download the BCoop mobile app onto your smartphone or tablet.

(3)

In the App menu, tap on “Deposit” or “Mobile Deposit.”

(4)

It will tell you that you must enroll first, which you do by filling out a form. You will also be asked to confirm that you are “not a robot,” a necessary step for preventing fraudulent accounts.

(5)

We will inform you in 2-3 business days whether you are enrolled and what your daily deposit limit is.

How to Deposit Your Checks

(1)

Endorse the back of your check with your signature, account number, and the words ‘FOR DEPOSIT ONLY AT BROOKLYN COOP.’

(2)

Open the mobile app and click on ‘Make a Deposit.” Follow prompts and instructions to capture the check data.

Click Image to Zoom.

(3)

If the transmission works, you will see this confirmation box.

Click Image to Zoom.

How to Deposit Your Checks

(1)

Endorse the back of your check with your signature, account number, and the words ‘FOR DEPOSIT ONLY AT BROOKLYN COOP.’

(2)

Open the mobile app and click on ‘Make a Deposit.” Follow prompts and instructions to capture the check data.

(3)

If the transmission works, you will see this confirmation box.

FAQ’s

Who can use RDC?

RDC is available to Brooklyn Coop members who meet the following eligibility requirements.

  • Must not have any accounts in a charge-off status
  • Must not have more than two overdrafts or bounced checks within the last year
How do I endorse my check?

Proper endorsement is your signature along with “For Deposit Only at Brooklyn Coop” clearly printed.

Are there time restrictions for submitting checks to the bank?

You may use this service at any time. Deposits made on a business day we are open must be completed by 1:00 p.m. for the credit union to deposit on that day. Deposits made after 1:00 p.m. or on non-processing days will be processed on the next business day we are open.

What should I do with the original paper check after I make the deposit?

Store the checks in a secure location for 30 days from the date of the deposit.  We may request the original to be provided to us in the event there is a dispute. After the 30 days, destroy the check in a manner that ensures the check cannot be represented.

When will I be able to see the deposit in my account?

You will be able to see the deposit in your account after our end of day processing completes, generally by 4pm. Refer to Availability of Funds section of the Remote Deposit Capture Terms and Conditions.

How will I know if my deposit has been accepted?

Record of your deposit will be visible on your account activity after 4pm. If a deposit is rejected, you will receive notification through your online banking account, via email, or via phone (please ensure your email and phone numbers at the credit union are accurate).

What type of checks can be deposited using RDC?

You may deposit personal and business checks that are payable to you or a joint account holder in United States currency.

What type of checks cannot be deposited using RDC?

Here is a partial list of ineligible items for deposit through RDC. Refer to the Remote Deposit Capture Terms and Conditions for a comprehensive list.

  • Travelers Checks, and Savings Bonds
  • Checks payable to any person or entity other than the account holder(s)
  • Checks drawn on your account either with us or another institution
  • Checks that are more than 6 months old, unless stated otherwise on the check
  • Items that are stamped with a “non-negotiable” watermark
  • Checks containing evidence of alteration to the information on the check
What do I do if RDC is not available to me?

In the event that you are not able to access RDC, you can still deposit the check at any of our branches through the ATM, by mail, or in person.

Who should I contact if I have a problem with a deposit?

Contact us at (718) 418-8232 option 0 or email at info@brooklyn.coop