Online Deposit

Make deposits wherever you are.

Text Resize


If checks could take selfies, they would. But you can take a picture of a check (actually two pictures, the front and back) and deposit a check from your phone or tablet. You can also scan the check and make deposits from your office. Save time and have fun making deposits, anytime, for FREE.

  • FREE
  • Great for business
  • No expensive hardware needed
  • Save time – never wait in line to make a deposit again
  • Available 24/7 – no need to leave your home or office

To sign up for Online Deposit:

Log into Online Banking
Select "Online Deposit"

Read Online Deposit FAQs




Effective March 18, 2013

In this End Users Agreement, the words "I," "me," "my," "us" and "our" mean the (consumer or business) that applied for and/or uses any of the Online Deposit (Remote Deposit Capture) Services (the "Services") described in this End Users Agreement. The words "you," "your," and "yours" mean (Farmers Insurance Federal Credit Union). My Application for use of the Services, your notification of approval of my application, and my (Farmers Insurance Federal Credit Union) (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Attention Business Account Users: Please read the section titled "Business Account Users Only" for special terms and conditions.

Use of the Services. Following receipt of your notification approving my use of the Services, I am authorized by you to remotely deposit paper checks I receive to my account with you (the "Account") by electronically transmitting a digital image of the paper checks to you for deposit. My use of the Services constitutes my acceptance of the terms and conditions of this End Users Agreement. I agree to comply with the hardware and software requirements set forth at Exhibit "A," which is attached hereto and incorporated by this reference.

I will use this service by scanning checks on a conforming scanner and delivering the images electronically and information required hereby to you or your designated processor. Upon receipt of the digital image, you will review the image for acceptability. I understand and agree that receipt of an image does not occur until after you notify me of receipt of the image via the Deposit History feature. I understand that, in the event I receive a notification from you confirming receipt of an image, such notification does not mean that the image contains no errors or that you are responsible for any information I transmit to you. You are not responsible for any image that you do not receive. Following receipt of the image, you may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, you reserve the right, within your sole and absolute discretion, to accept or reject any item for remote deposit into my Account. I understand that any amount credited to my Account for items deposited using the Services is a provisional credit and I agree to indemnify you against any loss you suffer because of your acceptance of the remotely deposited check.

In addition I agree that I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Services, (ii) copy or reproduce all or any part of the technology or Services; or (iii) interfere, or attempt to interfere, with the technology or Services.

Compliance with Law. I agree to use the products and Services for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Check Requirements. (See exhibit "A") Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to scanning/capturing the original check, I will endorse the back of the original check. My endorsement will include my signature and Member/Account numbers. The captured image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate magnetic ink character recognition (MICR) information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. Including a) For deposit only at Farmers Insurance Federal Credit Union, b) Account Number: ####, c) Via Online Deposit, and d) On (date) mm/dd/yyyy. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. I hereby agree that I will only capture and deposit a check(s) as that term is defined in Federal Reserve Board Regulation CC. In addition, that this check be deemed an "item" within the meaning of Article 4 of the Uniform Commercial Code (1990 Official Text).

Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to your Account due to an item being returned.

Items Returned Unpaid. A written notice will be sent to me electronically via Email or by use of U.S. Mail, of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. These will be subject to the returned item fees as noted in the Credit Union’s "Schedule of Fees". 
Additionally: The availability to participate in the Remote Deposit Capture program may be suspended by you and subject to reinstatement of my use of this service.

Email Address. I agree to notify you immediately if I change my Email address, as this is the Email address where you will send me notification of receipt of remote deposit items, as well as other notices as applicable.

Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties such as those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches, shared branches, through your ATMs, our affiliated ATM network, or by mailing the original check to you at PO Box 36911, Los Angeles, CA 90036-6911. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will Email notification of items that are rejected by the next business day following rejection.

Business Day and Availability Disclosure. Your business days are Monday through Friday, except holidays. Your business hours are 7:30 a.m. to 3:30 p.m., Pacific Time, each business day.

Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is identified as Los Angeles, CA. Subject to the Funds Availability Act, deposits made using the Services, the minimum availability of funds will be available as set forth below:

$200.00 or less: No hold

More than $200: 1 day hold

However, longer delays may apply. Funds I deposit by check may be held for a longer period under the following circumstances: 1) You believe a check I deposit will not be paid, 2) I deposit checks totaling more than $5,000 on any one day, 3) I redeposit a check that has been returned unpaid, 4) I have overdrawn my account repeatedly in the last six months, or 5) There is an emergency, such as a failure of communication or computer equipment. You will notify me if you delay my ability to withdraw funds for any of these reasons, and you will tell me when the funds will be available. Funds will generally be available no later than the 7th business day after the day of my deposit.

Subject to your approval, you will set additional deposit restrictions, and grant increased availability of funds.

Internal Controls and Audit. I understand and agree to adhere to the Internal Controls as described in this agreement and further detailed within this section. Furthermore I agree to comply with the Audit requirements prescribed by the Credit Union within this Agreement. You reserve the right to conduct a physical inspection of the appropriate areas affecting the areas of operation described in this agreement. You may review any pertinent area that may affect Online Deposit, both in the posting of deposits along with the affected areas including my general accounting and ledger systems, physical security and background of those to whom I have granted access to, and the areas affecting their transactions.

Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Each image of a check transmitted to you is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.

The amount, payee, signature(s), and endorsement(s) on the original check are legible, genuine and accurate.

I will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.

Other than the digital image of an original check that I remotely deposit through your Services, there are no other duplicate images of the original check.

I have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.

I am authorized to enforce each item transmitted or am authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.

The information I provided in my Application remains true and correct and, in the event any such information changes, I will immediately notify you of the change.

I have not knowingly failed to communicate any material information to you.

I have possession of each original check deposited using the Services and no additional party will submit the original check for payment.

Files and images transmitted to you will contain no viruses or any other disabling features that may have an adverse impact on your network, data, or related systems.

Storage of Original Checks. I must securely store each original check that I deposit using the Services for a period of sixty (60) days after transmission to you. If I am using the Services to deposit items into an account in the name of a Business to which I am a party, I understand this means the original check(s) must be accessible only by my authorized personnel. Persons who have access to the stored checks must be fully bondable and have passed a thorough screening. After the sixty (60) days period expires, I will destroy the original check. I understand and agree that I am responsible for any loss caused by my failure to secure the original checks. You may request, for verification purposes, proper adherence to this requirement. I may be asked to provide original items after being submitted by image for deposit. Along with verification of both my storage and destruction procedures/practice. Failure to meet these requirements subjects me to standards set forth in the standards for Non-Compliance below.

Securing Images on Mobile Devices. When using "Mobile Banking", I understand that check images captured using my mobile phone are stored on the device only until the associated deposit has been successfully submitted. I agree to promptly complete each deposit. In the event that I am unable to promptly complete my deposit, I agree to ensure that my mobile phone remains securely in my possession until the deposit has been completed or to delete the associated images from the application. Failure to meet these requirements subjects me to standards set forth in the standards for Non-Compliance below.

Accountholder’s Indemnification Obligation. I understand and agree that I am required to indemnify you and hold you harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from my use of the Services and/or breach of this End Users Agreement. I understand and agree that this paragraph shall survive the termination of this Agreement.

In Case of Errors. I must call or write you as soon as possible, if I think my statement or receipt is wrong, or if I need more information about a transaction listed on the statement or receipt. You must hear from me no later than sixty (60) days after you sent me the FIRST statement or receipt/confirmation on which the problem or error appeared. I will:

Tell you my name and account number;

Describe the error or the transfer I am unsure about, and explain as clearly as I can why I believe it is an error or why I need more information; and

Tell you the dollar amount of the suspected error.

I will contact you at: Farmers Insurance Federal Credit Union
2255 N. Ontario Street Suite 320

Burbank, CA 91504


If I tell you orally, you may require that I send you my complaint or question in writing within ten (10) business days. You will tell me the results of your investigation within ten (10) business days after you hear from me and will correct any error promptly. If you need more time, however, you may take up to forty-five (45) days to investigate my complaint or question. If you decide to do this, you will provisionally credit my account within ten (10) business days for the amount I think is in error, so that I will have the use of the money during the time it takes you to complete your investigation. If you ask me to put my complaint or question in writing and you do not receive it within ten (10) business days, you may choose not to provisionally credit my account during the additional time that may be required to investigate my complaint or question.

Charges for Use of the Services. All charges (if any) associated with the Services are disclosed in your Fee Schedule. 


Change in Terms. You may change the terms and charges for the Services indicated in this End Users Agreement by notifying me of such change in writing and may amend, modify, add to, or delete from this End Users Agreement from time to time. My use of the Services after receipt of notification of any change by you constitutes my acceptance of the change. No amendments requested by me shall be effective unless received, and agreed to in writing, by you. Further I agree that you may change terms including, but not limited to; allowable limits, holds, extended holds, availability of funds and allowable frequency of deposits of funds. Actions that may affect the terms of my use include but are not limited to change in Direct Deposit, including frequency, dollar amounts and approved usage of my account. Should I discontinue and/or not use my these services for a period greater than 6 months I am subject to having the availability of these services cancelled and subject to your approval to reenroll.

Termination of the Services. I may, by written request, terminate the Services provided for in this End Users Agreement. You may terminate my use of the Services at any time upon written notice. In the event of termination of the Services, I will remain liable for all transactions performed on my Account. Should an urgent matter occur, i.e. "Suspicion of Fraud" the Services may be suspended immediately, subject to verification, along with a follow up written notification.

Non-Compliance to End Users Agreement. My ability to use Remote Deposit Capture and/or the limits I have been given may be suspended or denied for lack of compliance with the provided End Users Agreement. Failure to adhere to said agreement may also subject me to the Credit Union’s "Denial of Services" which may limit my ability to use other products and services. You shall review my accounts and use of services which may subject me to additional adverse actions at your discretion. You shall notify me within 5 (five) business days should such adverse action need to be taken.

Relationship to Other Disclosures. The information in these Disclosures applies only to the Services described herein. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of the Account.

Governing Law. I understand and agree that this End Users Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of the state of California, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. I also agree to submit to the personal jurisdiction of the courts of California.

Periodic Statement. Any remote deposits made through the Services will be reflected on my monthly account statement. I understand and agree that I am required to notify you of any error relating to images transmitted using the Services by no later than thirty (30) days after I receive the monthly periodic statement that includes any transaction I allege is erroneous. I am responsible for any errors that I fail to bring to your attention within such time period. If I do not receive my statement within 15 days of the end of a cycle, I must notify you to request a replacement copy. If any dispute is subject to the "statement error resolution" the "error resolution" will take precedent.

Limitations on Frequency and Dollar Amount. I understand and agree that I cannot exceed the limitations on frequency and dollar amounts of remote deposits that are set forth by you. I understand that you may immediately change my limit at your discretion upon written notice.

Unacceptable Deposits. I understand and agree that I am not permitted to deposit the following items using the Services:

Any item that is stamped with a "non-negotiable" watermark.

Any item drawn on my account or my affiliate’s account.

Any item that contains evidence of alteration to the information on the check.

Any item issued by a financial institution in a foreign country or an item representing foreign currency.

Any item that is incomplete.

Any item that is "stale dated" or "post dated."

Any third party check, i.e., any item that is made payable to another party and then endorsed to me by such party.

Any item that is not immediately negotiable, or notated "draft" or "for collections".

Changes in Financial Circumstances. I understand and agree that I must inform you (within) 5 (five) business days in the event a material change in my financial circumstances as or in any of the information provided in my Application including any supporting financial information.

Confidentiality. I acknowledge and agree that confidential data relating to your Services, marketing, strategies, business operations and business systems (collectively, "Confidential Information") may come into your possession in connection with this End Users Agreement I understand and agree that I am prohibited from disclosing, and agree to maintain, the confidentiality of your Confidential Information.

Waiver. The failure of either party to seek a redress for violation, or to insist upon the strict performance, of any covenant, agreement, provision, or condition hereof shall not constitute the waiver of the terms or of the terms of any other covenant, agreement, provision, or condition, and each party shall have all remedies provided herein with respect to any subsequent act which would have originally constituted the violation hereunder.

Relationship. This End Users Agreement does not create, and shall not be construed to create, any joint venture or partnership between the parties. No officer, employee, agent, servant, or independent contractor of either party shall at any time be deemed to be an employee, servant, agent, or contractor of the other party for any purpose whatsoever.

Notices. Any notice required hereunder shall be given by first class U.S. Mail, hand delivery, electronically or by any other means agreed upon by both parties. If any notice instructions are given, the provisions of such shall govern the method and location for giving notice. Any notice mailed shall be presumed received on the third business day after mailing thereof.

Business Account Users Only

Guarantee Specific to Deposits Received for Credit to a Business Account:

My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses Farmers Insurance Federal Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with Farmers Insurance Federal Credit Union enforcing this Guarantee. This Guarantee shall benefit the Farmers Insurance Federal Credit Union and its successors and assigns.

If I am using the Services to deposit items into an account in the name of a Business to which I am a party, this includes, but is not limited to, notification of the following: (a) changes in transaction volumes at my business; (b) any change in a representation or statement made or furnished to you by me or on my behalf in my Application; (c) a material change occurs in my ownership or organizational structure (acknowledging that any change in ownership will be deemed material when ownership is closely held); (d) I liquidate or dissolve, or enter into any consolidation merger, partnership, or joint venture; (e) I sell any assets except in the ordinary course of my business as now conducted, or sell, lease, assign or transfer any substantial part of my business or fixed assets or any property or other assets necessary for the continuance of my business as now conducted including, without limitation, the selling of any property or other assets accompanied by the leasing back of the same; (f) I cease doing business, become insolvent, a receiver is appointed for all or any part of my property, I make an assignment for the benefit of creditors, or any proceeding is commenced either by me or against me under any bankruptcy or insolvency laws or any other law or laws relating to debtors; (g) any guaranty of my indebtedness to you, whether related or unrelated to the Account or the Services, ceases to be in full force and effect or is declared to be null and void; or the validity or enforceability thereof is contested in a judicial proceeding; or any guarantor denies that it has any further liability under such guaranty; or any guarantor defaults in any provision of any guaranty, or any financial information provided by any guarantor is false or misleading; (h) I or any guarantor dies; if I am a sole proprietorship, the owner dies; if I am a partnership, any general or managing partner dies; if I am a corporation, any principal officer or 10.00% or greater shareholder dies; if I am a limited liability company, any managing member dies; if I am any other form of business entity, any person(s) directly or indirectly controlling ten percent (10.00%) or more of the ownership interests of such entity dies; (i) any creditor tries to take any of my property on or in which you have a lien or security interest, including a garnishment of any of my accounts with you; (j) a judgment or judgments is entered against me or any guarantor(s) in the aggregate amount of $250 or more that is not satisfied within thirty (30) days or stayed pending appeal; (k) an involuntary lien or liens is attached to any of my assets or property and not satisfied within thirty (30) days or stayed pending appeal; (l) an adverse change occurs in my financial condition or applicable credit histories; and (m) I am in default under any agreement for borrowed money or any other material contract. I agree to provide you any financial records you reasonably request to determine my financial status during the term of this End Users Agreement.

Printable version
National Credit Union Administration

This Credit Union is federally insured by the National Credit Union Administration. This Credit Union is an Equal Housing Lender, we make loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800.877.2345 for assistance.

© 2020 Farmers Insurance Group Federal Credit Union.

All rights reserved.

We're On Social Media!

Facebook Twitter LinkedIn Instagram