FIGFCU Online Deposit FAQs | Learn How To Deposit A Check Online
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Online Deposit FAQs

Your Frequently Asked Questions Answered

How can I sign up for Online Deposit?
You can register for Online Deposit by logging in to Online Banking and clicking on My Accounts under the top navigation bar, then clicking on Online Deposit under the left navigation bar.

Does everyone qualify for this service?
To qualify for Online Deposit, members must meet the following criteria:

  • Have no NSF activity within the last 6 months
  • Have a checking account in good standing
  • If membership has been opened for less than 6 months, member must have Direct Deposit to qualify
  • Please note: A member may lose the right to use the service after first irregularity violation

Is there a limit to the dollar amount of the check that I can deposit?
Yes, there is a per check limit and a daily/30 rolling days limit.

  • Member without Direct Deposit - $1,000 per day
  • Non-Agent Members with Direct Deposit - $5,000 per day
  • Agent Members with Direct Deposit - $10,000 per day

How quickly will the deposit credit my account?
Checks submitted and approved for deposit will credit your account within one business day. Business days are Monday through Friday, excluding holidays.

How quickly will the funds be available for me to use?
Please refer to our Funds Availability Policy to find out how soon your deposit will be available for your use.

What types of checks cannot be submitted using Online Deposit?
The following items cannot be submitted for deposit using Online Deposit:

  1. Savings Bonds
  2. Foreign Checks (checks issued by a financial institution in a foreign country)
  3. Checks previously endorsed by Farmers Insurance Federal Credit Union
  4. Any item that is "stale dated" or "post dated"
  5. Any item that is incomplete (i.e. missing the date, missing the payee, etc.)
  6. Any item that contains evidence of alteration to the information on the check
  7. Any item that is stamped with a "non-negotiable" watermark
  8. Any third party check, i.e., made payable to another party and then endorsed to you

How should I endorse the check?
The back of each check must include:

  1. The words "For deposit only at Farmers Insurance Federal Credit Union"
  2. The account number to which the check is being deposited
  3. Today's date (mm/dd/yyyy)
  4. The payee's signature

PLEASE NOTE: If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit.

What else will I need to do to send in my deposit?
After you endorse the back of the check(s) according to the indications above, you will need to do the following:

  1. Write "scanned" on the front of the check(s)
  2. Log in to your Online Banking account
  3. Click on Online Deposit on the top navigation bar
  4. Select your scanner (you will only need to do this one time)
  5. Enter the total deposit amount of your check(s)
  6. Scan the front and back of your check(s)
  7. Review and submit your deposit

How long should I hold on to my check(s) after I scan it using Online Deposit?
Once you have scanned your check(s) and your deposit has been credited to your account, you should securely store the original check(s) for 60 days before destroying it.

When loading the checks, what type of files does the system support?
JPEG, PNG, and GIF. Check images must be greater than 2.3" (460 pixels) and less than 4.5" (900 pixels) high and greater than 5.7" (1140 pixels) and less than 9.4" (1880 pixels) long. An error can also occur if the front and rear check images are different in size.

If I have more troubleshooting questions, where should I access?
While signed on to Online Banking, you can access a list of frequently asked questions on online deposit at

If I have questions, where can I go to receive help?
If you are within the Online Deposit section of Online Banking, you can select "Help" or "?" as you begin the transaction and you will see information specific to the page you are on.
You can also send an email to or call 800.877.2345.