Remote Deposit Capture Terms and Condition:


The remote deposit capture services ("Remote Deposit" or "Services") are designed to allow you to make deposits to your checking, or savings accounts from your camera-enabled mobile device capable of capturing check images and information and electronically delivering the items and associated deposit information to Serve Credit Union (“we” or “us”) or Serve Credit Union's designated processor. The device must capture an image of the front and back of each check to be deposited in accordance with the Procedures; must read and capture the magnetic ink character recognition ("MICR") line on each check; and must read and capture all such other data and information as is required by this Agreement or Federal Reserve regulations for the processing of these checks for payment. Remote Deposit is being treated as an electronic fund transfer subject to the Electronic Fund Transfer Act.

Hardware and Software Requirements:

You must have a Mobile Device that is acceptable to us and a wireless plan from a compatible mobile wireless provider. You must also use the operating system(s) and software that satisfies all technical specifications and other requirements that we and/or our service provider(s) establish and specify. We and/or our service provider(s) may change these specifications and/or requirements from time to time. Serve Credit Union is not responsible for any third-party software you may need to use the Services. You agree that you will perform, or cause to be performed by properly trained personnel, all vendor recommended maintenance, repairs, upgrades and replacements. Unless otherwise provided in this Agreement, you are solely responsible, at your own expense, for purchasing, installing, operating, testing and maintaining all hardware and software necessary to use the Service. You must install and test your Mobile Device, your system, and any other required hardware and software before you make your first deposit through the Service. You accept any such software “as is” and subject to the terms and conditions of the software agreement that you enter into directly with the third-party software provider at the time of download and installation. We are not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using the Service, e-mail or the Internet. You agree that all images and files transmitted to us through the Service will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.

Receipt of Items:

We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from Serve Credit Union that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete.

Eligibility and Qualification Requirements:

To qualify for this Service, you must meet eligibility criteria as dictated by us, including having all accounts in good standing. Serve Credit Union reserves the right to terminate this service for any member who demonstrates signs of attempted fraud or who repeatedly fails to comply with these Terms and Conditions.

 Eligible Accounts:

The following consumer checking and savings accounts are eligible for this Service:a.  Membership Share Accountsb. Checking Accounts

Provisional Credit and Availability of Funds

You agree that items transmitted using the Services are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through the Service is received and accepted before 4:00 pm CST on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Once you make your deposit you may see the funds pending in your account which is the provisional credit however the funds will not be available to use until the deposit has been reviewed and accepted by us. Once we approve your deposit, the funds will become available unless we delay the funds for a longer period of time. If we delay funds for a longer period of time, we will provide you with written notification, of when the funds will be available, no later than the next business day. You agree to receive all notifications regarding your use of this Service via electronic message. With respect to each item you send us for deposit, you agree to indemnify and reimburse Serve Credit Union for and hold Serve Credit Union harmless from and against any and all losses, costs, and expenses.

Deposit Limits:

Serve Credit Union reserves the right to establish and assign to you deposit limits for the Service (including limits on the dollar amount and/or number of Checks that you may transmit through the Service each day) and to modify such limits from time to time in Serve Credit Union’s sole discretion, and you agree to comply with all such limits. Our current single check limit is $3,000, and daily deposit limit is $5,000 per day (max of five checks/day) and/or $10,000 per 30-day cycle.

Fees and Charges:

Serve Credit Union offers the benefits and convenience of the Services to you free. Serve Credit Union reserves the right to charge fees for the Services in the future.You acknowledge that wireless providers may assess fees, limitations, or restrictions. You agree that you are solely responsible for all such fees, limitations, and restrictions, and that we may contact you via your wireless device for any purpose concerning your accounts at Serve Credit Union, including but not limited to account servicing and collection purposes.


You agree to indemnify us for any claim, demand, loss, liability or expense (including attorney's fees and expenses) resulting from or arising out of (a) this Agreement, the Application, or the Services, (b) any breach of any of your representations, warranties or agreements in this Agreement, or (c) your improper operation, mechanical failure or failure to properly service or maintain any device used in connection with the Services.

Endorsements and Procedures:

You agree to restrictively endorse any item transmitted through the Services with your signature and print "For Mobile Deposit” or as otherwise instructed by Serve Credit Union. You agree to follow any and all other procedures and instructions for use of the Services as Serve Credit Union may establish from time to time. Endorsements must be made on the back of the share draft or check. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your account, the check must be endorsed by all such payees, and you may only use Remote Deposit to deposit such checks into an account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your account using the Services and you agree never to represent the item. You will promptly provide any retained item, or a sufficient copy of the front and back of the item, to Serve Credit Union as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item, or for Serve Credit Union audit purposes.

Check Requirements (including image quality):

The image of an item transmitted to Serve Credit Union using the Services must be legible and contain images of the front and back of the Check. The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the Check image: the amount of the Check (both written and numeric); the payee; the signature of the drawer (maker); the date; the Check number; the information identifying the drawer and the paying Serve Credit Union that is preprinted on the Check including the MICR line; and all other information placed on the Check prior to the time of 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).

Eligible Items:

You agree to scan and deposit only single-party domestic checks that are drawn on U.S. financial institutions in U.S. dollars, or checks drawn on United States Treasury, or checks drawn on any state or local government of the United States, that are made payable to the owner(s) of Serve Credit Union checking or savings accounts.

Ineligible Items:

You agree that you will not use this Service to scan and deposit any ineligible items including but not limited to the following:a.   Checks or items payable to any person or entity other than you (including third-party checks and checks with multiple payees)b.  Post-dated or stale-dated checksc.   Checks or items containing an obvious alteration to any of the fields on the front of the check or item which you know or suspect, or should know or suspect to be fraudulent.d.  Checks or items not payable in United States currencye.   Items drawn on financial institutions located outside the United Statesf.   Items previously converted to a substitute check or those previously submitted for deposit either remotely or in persong.  Items stamped ‘non-negotiable’h.  Photocopies of checksi.   Incomplete checksj.   Checks drawn on the account they’re being deposited intok.  Consumer loans, credit card, and mortgage paymentsl.   IRA and Share Certificate depositsm. Money orders and travelers checksn.  Savings bondso.  Checks that require authorizationp.  Checks from a closed accountq.  Checks purporting to be a lottery or prize winning

Storage, Security and Destruction/Disposal of the Checks:

After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within two Business Days, at your expense, the requested original Check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after the 14-day retention period expires, you must destroy the original Check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of the original Check, the image will be the sole evidence of the original Check. You agree that you will never re-present the original Check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.

Presenting Checks More Than Once:

Once you have used the Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold Serve Credit Union harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with Serve Credit Union in our sole discretion.

Your Authentication Method:

You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method. By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as a writing signed by you. This includes, but is not limited to, inquiries, deposit transactions, Checks deposited, Check images, changes to accounts or services or any other communication you provide us through the Service using your Authentication Method.

Rejection of Deposits:

After we receive Check images and all other required deposit information from you through the Service, we shall provisionally credit your designated account for the total amount of such Checks. The provisional credit is subject to final payment of the Checks and is also subject to your Serve Credit Union Account Agreement. You agree that all deposits received by us are subject to verification and final inspection and may be rejected by us in our sole discretion, and you shall be liable to Serve Credit Union for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against Serve Credit Union relating to such deposits. Serve Credit Union is not liable for any service or late charges that may be imposed against you due to Serve Credit Union’s rejection of any Check that you transmit for deposit through the Service. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to a Check being returned. You acknowledge and agree that, while we normally provide notice of rejected deposits, we may reject any Check transmitted through the Service in our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection.

Unpaid Checks:

Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that Checks that you deposit by using the Service have been received and accepted for deposit by Serve Credit Union. Serve Credit Union will provide you with notice of any deposits that it is unable to process because Checks were returned unpaid by the payor Serve Credit Union. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that Serve Credit Union credits your account for a Check that is subsequently dishonored and returned, you authorize Serve Credit Union to debit the amount of such Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with Serve Credit Union in our sole discretion. Our right to charge your account(s) will apply without regard to whether the Check was timely returned or whether there is any other claim or defense that the Check was improperly returned. You understand and agree, that since the original Check is your property, it will not be returned and Serve Credit Union may charge back an image of the Check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original Check or a substitute check. You may not use the Service to deposit a substitute check and you may not deposit the original Check through the Service or in any other manner if you receive a dishonored Check. You agree to comply with any additional instructions we may provide to you in connection with returned Checks.

Duty to Report Errors:

Serve Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access Serve Credit Union’s Online Membership service for information about your deposits, return items, deposit adjustments, Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that Serve Credit Union makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by Serve Credit Union and are accurate. Receipt of a Check by Serve Credit Union through the Service does not constitute an acknowledgement by Serve Credit Union that the Check is error-free or that we will be liable for the Check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Account Agreement. You may notify us by e- mailing us at (, or writing to (Serve Credit Union, 423 E. Court Avenue, Des Moines, IA 50309) or telephoning us at (800-539-1621). You agree to cooperate in any investigation by Serve Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify Serve Credit Union of any error, omission or other discrepancy in accordance with this Agreement and your Account Agreement shall relieve Serve Credit Union of any liability for such error, omission or discrepancy.

Availability of Service/Contingency:

In the event you are unable to capture, balance, process, produce or transmit a file to Serve Credit Union, or otherwise comply with the terms or the Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Serve Credit Union location. The deposit of original checks at an office of Serve Credit Union shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

Data Security:

You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone at 800-539-1621 and with written notice at Serve Credit Union, 423 E. Court Avenue, Des Moines, IA 50309 if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original Checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Cooperation with Investigations:

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of member claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.