Unfortunately, the following cannot be accepted:

  • Items displaying a “non-negotiable” or “void” notation or watermark.

  • Items containing an alteration on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.

  • Items dated more than six (6) months prior to the date of deposit.

  • Items previously converted to a substitute check or items that are remotely created checks as defined by Federal Reserve Board Regulation CC.

  • Items issued by or through a financial institution in a foreign country.

  • Items not payable in United States currency.

  • Items with incomplete or illegible information.

  • Items that are money orders, traveler’s checks or savings bonds.

  • Items made payable to a third party (i.e., any person or entity other than you).

  • Items that are in violation of any federal or state law, rule, or regulation.

  • Checks or items prohibited by the Credit Union’s current procedures relating to the Mobile Deposit service or are otherwise not acceptable under the terms of your Credit Union account.

  • Items with any endorsement on the back other than what is specified in this Agreement.

  • Items the system cannot read due to special characters, formatting, etc.