Remote Deposit Capture

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)

Download the Brooklyn Coop mobile app. If you haven’t yet set up your online account you will need to do this before you are able to log into your account 

(2)

How to Register for Mobile Deposit: Once logged into the app, click on the “hamburger” (three horizontal lines) in the upper left corner, and choose the “Deposit Checks” option.  The first time you click here you will be asked to enroll and be directed to a weblink to sign up for the Mobile Deposit feature. Follow the steps. We will respond to you within one business day to confirm that you have been approved.  Once approved you will be able to log back into your mobile app and click again on the option “Deposit Checks” where you will be able to continue the process.  

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 ‘Deposit Checks.” Follow prompts and instructions to capture the check details. (see screenshots for details) 

Click Image to Zoom.

(3)

If the transmission works, you will receive a confirmation message.  Please save and DO NOT DESTROY your check image right away.  The confirmation message ONLY indicates that the check was successfully submitted.  We manually review all remotely deposited checks, so if we are not able to accept the check through Mobile Deposit, you will need the original check to redeposit it through app or in person.  

Click Image to Zoom.

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 rdc@brooklyn.coop