The Update

All You Need to Know About Remote Check Capture

In a world where you can order almost anything using your mobile phone, it makes sense that offers mobile banking services for our members. You can now check your account balance and transfer funds between accounts, all from the comfort of your home.

One of the most convenient features we offer through our mobile banking service is Remote Check Capture. All it takes to deposit a check is a few minutes of your time and a phone with internet access.

Let’s take a closer look at remote check capture and mobile deposits.

What is Remote Check Capture?

Remote check capture is a way for you to deposit a check into your Checking Account from a distant location using a mobile device with internet access. You can be practically anywhere in the world and make your deposit at any time.

The process is simple: You’ll sign into your mobile account and prepare your check for deposit. Tap on the [Deposit Check] icon and the app will guide you through snapping a picture of both the front and the back of the check. You’ll also be asked to verify the check amount. Once you’ve made the confirmation, your check will be submitted for deposit into your account.

It’s that easy.

The Benefits of Remote Check Capture

• Convenience. As mentioned, with remote check capture, you can make your deposit anywhere, at any time.
• Speed. Your check will generally clear more quickly through a mobile deposit than it will through an ATM deposit.
• Accuracy. You’ll be asked to confirm the check amount for accuracy. On the small chance that an error happens, you’ll still have the physical check, which you can then deposit at .

Facts You May Not Know About Remote Check Capture

• Deposit limits. For your safety, there is a maximum amount you can remotely deposit in one go. Please check with your credit union.
• Bounced checks. Just like a confirmed check deposit can end up bouncing several days later, if we cannot collect the funds, a mobile deposit can also be returned for the same reasons.
• Holds on checks. Any checks deposited after our evening cutoff time will be placed on hold until the next business day.  Please check with your credit union.

But is it Safe?

We take many precautions for ensuring your personal information is protected throughout the remote check capture process.

First, no one can sign into your mobile account without two-factor authentication. Always use strong, unique passwords.

Second, our mobile app does not store your check images in your phone. Once your check has been submitted, the image is erased from your phone and stored only in our own software.

Finally, if an error occurs, you’ll always have the physical check to deposit if necessary.

Ready for Better Digital Banking

We’re excited to let you know that on April 8th, 2025, Rio Grande Credit Union is upgrading to a brand-new digital banking platform! This change is designed to provide you with a faster, easier, and more secure experience.

Existing online banking access will be terminated. Every member will need to enroll in new online banking and download the NEW APP available on the Apple App Store and Google Play. Everything can be done on your phone!