Mobile Disclosures

Mobile Disclosures

As originally agreed you must write a restrictive endorsement on the back: For Remote Deposit, Account #_______.



After submission you must write ‘Mobile Deposited’ conspicuously on the front of the check, and not attempt to deposit it again anywhere.

You must submit items by noon on a regular business day for the full deposit to be considered by 4 pm , otherwise the entire item may not be approved until 4 pm on the following full business day.


We reserve the right to reject any item transmitted through this Service, at our discretion, and we may limit the amount or number of items you can deposit with this service in a day or in a given period of time.  If we doubt the collectability we may place holds until funds are received from the institution it is drawn upon.



We are not liable for items we do not receive or for images that are not transmitted completely.



An image is considered received after 4 pm on the following business day (when the full amount has been credited to your account), however, this does not mean that the transmission was without error and may not be withdrawn. 



If an item you transmit for deposit is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the return to the account the check was originally deposited to and you may be assessed a fee as disclosed. If there are not sufficient funds in your account to cover the amount of the returned check, the account will be overdrawn and you will be responsible for payment or related fees.



ACFCU’s liability for errors or omissions with respect to the data transmitted or printed by ACFCU will be limited to correcting the errors or omissions. You agree to your personal responsibility to ensure the security of the personal computer and/or mobile device you own and use to access the Service, which includes the security of any wireless or internet service or network you may be utilizing.  You agree that ACFCU will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for lost profits, goodwill, use  data or other losses resulting from use of the Service, inability to use the services, or termination of the services, incurred by you or any third party, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise) even if ACFCU has been informed of the possibility thereof.  You agree to indemnify and hold harmless ACFCU from any loss for breach of the warranty provision, such that you warrant to ACFCU that: 1. You will only transmit eligible items that are properly endorsed.  2. Images will meet the image quality standards. 3. You will not transmit duplicate items. 4. You will not deposit or re-present the original item once it has been scanned and sent through this Service unless specifically requested to do so by ACFCU. 5. All information you provide to ACFCU is accurate and true. 6. ACFCU will not sustain a loss because you have deposited an image. 7.  You will comply with the original and any subsequent provisions of the Agreement and all applicable rules, laws and regulations.

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