Mobile App and Mobile Deposit FAQs
Will my device work with Ripco’s Mobile App?
Our mobile app (Ripco CU) and our mobile deposit app (RCU deposit) are both available on supported Apple and Android devices.
How do I get started, and is there a fee?
In the Apple App store or in Google Play, search for “Ripco Credit Union” and download our apps for free! Although standard message and data rates may apply, there is no other cost for using our apps.
Once you’ve accessed the mobile app, you won’t need to log in unless you want to access It’s Me 247 online banking (using your current/existing Username and PIN).
*** Mobile Deposit is only available based on established requirements to qualify for this service. Currently there is a separate app for Mobile Deposit, but we hope to soon transition and upgrade so that Mobile Deposit will be available through the Mobile app.
The existing Mobile app and Remote deposit app look similar, and both feature our Ripco Credit Union “R” logo. The Mobile app is titled “Ripco CU” and the Mobile Deposit app is titled “RCU Deposit.” ***
What exactly is Mobile Deposit?
Ripco Credit Union’s Mobile Deposit is a simple way to use a smartphone to deposit checks into your share draft/checking account. This can also be referred to as “remote deposit capture” or simply “deposit capture.”
Who can use Ripco’s Mobile Deposit?
In general, Mobile Deposit is available for Ripco members in good standing who maintain an active (not dormant) personal savings and/or checking account with Ripco, and who have a current, accurate email address on file with us. Business accounts in good standing are able to use mobile deposit, but please note the transaction limitations.
Fiduciary accounts, such as Trust or Estate accounts, HSAs (Health Savings Accounts) and IRAs (Individual Retirement Accounts) are not eligible for Mobile Deposit.
What devices will support Mobile Deposit?
Ripco Credit Union’s Mobile Deposit is available within the iOS and Android apps. It can be used on an iPhone, iPad and Android smartphones. Other devices may or may not have the capabilty and photo resolution to successfully process your mobile deposit.
What are the fees for Mobile Deposit?
There is no costs to deposit checks through Mobile Deposit at this time.
When will my deposit be credited to my account?
In general, Mobile Deposits received by 3:00 p.m. (Central time) on a business day will be posted by the end of that day. Mobile Deposits received on Saturdays, Sundays, federal holidays, or received after 3:00 p.m. on a business day will be posted by the end of the next business day. If we encounter any issues with your Mobile Deposit, we will contact you through the It’s Me 247 secure Message Center and/or via email within one business day. All deposits are subject to Ripco Credit Union’s Mobile Deposit Services Agreement. You may find this agreement on the RCU Deposit app under “Info” then EULA (End Users License Agreement”.
How do I sign up?
Simply download Ripco’s RCU Deposit App from the Apple App Store or from Google Play. CAUTION: There are a lot of “RCU”s in the app store; you’ll have the best luck if you search for “Ripco” and then choose Ripco Credit Union’s RCU Deposit app. Once you download and open the app, click “sign up”. This will take you to the user agreement. After you’ve read and decide to agree, click the “I agree” button. From there you will enter the required user information. When you get to the “Accounts” section, be sure to choose where you’ll want your deposits to go – either checking or savings. Then click submit. The system will then send us a message that you have asked to enroll. We access the system and approve those requests throughout the day (weekdays during normal business hours only). After your request to use Mobile Deposit has been approved, you’ll receive a verification email and will be able to use the app. For the best service, please be sure to read and follow the limitations and endorsement directions set forth below.
After the initial set-up, can I add an additional account or suffix to an existing user name?
You can add additional account information, but not directly from the site. To make these type of changes, please call or stop in to the credit union, and we’ll be happy to help!
What are the limits?
A maximum of five (5) checks per day can be deposited through Mobile Deposit, and only one check may be imaged in each mobile deposit. The maximum dollar amount per item (check) is $3000. The rolling 30-day limit is $10,000. If you exceed the limit, Mobile Deposit will notify you that the transaction cannot be completed. Acceptance of any check – even if it is within the transaction limitations – is not guaranteed.
What happens if I have a check that exceeds my limit?
These items can be deposited at a Ripco Credit Union branch, or they can be mailed to PO Box 278 Rhinelander WI 54501.
What do I do with my check after depositing using Mobile Deposit?
Once you have confirmed the deposited funds have been credited to your account, securely store the check for 7-14 days before destroying it. This time buffer is important in the event the original check is required for any reason.
Do I need to endorse my check?
Yes. Before we can process your check for deposit to your account, it needs to be endorsed ON THE FRONT AND ON THE BACK as follows:
On the front of the check, in any open space – using these words:
RIPCO MOBILE DEPOSIT on XX/XX/20XX (date)
On the back of the check in the proper endorsement area, using these words:
Ripco Credit Union
Mobile Deposit Only
Date of Deposit
What happens if I forget to endorse the check?
Un-endorsed or improperly endorsed checks will be rejected. After the check is rejected, you can endorse the check and deposit it again through Mobile Deposit.
Aside from the dollar limits, are there any checks that will not be accepted through Mobile Deposit?
Yes. Savings bonds, Travelers checks, checks payable to “cash”, two-party checks, any checks from outside of the USA, and any checks that are post-dated or stale-dated (more than six months past the date on the check) are all ineligible for Mobile Deposit.