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The Johns Hopkins Federal Credit Union

Qualified members* can use DeposZip from home, work, or their mobile device to make deposits 24 hours a day to their JHFCU accounts. That means no more mailing checks, or ATM/Branch visits for a deposit. Whether it’s 12:00 a.m. or 12:00 p.m., our virtual doors are open for many of your banking needs!

How it works:

Mobile

Mobile DeposZip1. Open your JHFCU App and select “Deposit.”

2. Select the account to receive the deposit

3. Enter the check amount.

4. Snap a picture of the front and back of your endorsed check.

5. Tap “Submit.”

 

 

 

 

 

 

Computer

1. Click on the DeposZip link in Online Banking.

2. Select the account into which you wish to make a check deposit then click "Submit."

3. Select your scanner (the first time you use the service you will be prompted to install a scanner, you will only need to do this once.)

4. Enter the total deposit amount of your checks.

5. Endorse the back of the check(s).

6. Scan the front and back of your check(s).

7. Review and Submit your deposit .


PC DeposZip

 

 

 

 

 

 

 














You'll be notified automatically by email that we’ve received your check deposit. Regular holds apply, and check deposits go through a quality control verification process, to ensure they can clear. Keep your check(s) for two weeks just in case it’s needed for verification. After that, they should be destroyed.


*Basic requirements include a member be at least 18 years of age, and have a satisfactory history of managing their Johns Hopkins FCU account. You must have a satisfactory credit history along with a demonstrated satisfactory checking account history as reported by a Consumer Reporting Agency

 

 

 

Frequently Asked Questions

Introduction to PC DeposZip

What is DeposZip?

A free secure service that allows you to scan paper checks from your desktop or mobile device and electronically send the images to JHFCU for deposit through Online Banking.

The basic requirements require that you be at least 18 years of age, have a satisfactory credit history, and have demonstrated satisfactory checking account history as reported by a Consumer Reporting Agency

 

Do I have to purchase special software to use DeposZip?

No, DeposZip is accessible to qualified members within Online Banking.

To make deposits through your mobile device you will have to install our Mobile App for Apple or Android.

When making deposit through your computer, you must install either an ActiveX control or Java application on your computer in order for DeposZip to communicate with your scanner. Administrator rights may be required to install these controls. Users of Internet Explorer for Windows may opt to use either the ActiveX control or the Java application. Users of Firefox for Windows or MAC and Safari for MAC must use the Java application.

Internet Explorer for Windows Users
The first time you use Deposzip look for the Information Bar at the top of your Internet Explorer browser window and follow the instructions.You will be prompted to install an ActiveX control called EZTwainX by Dosadi.You may opt to install the Java application by clicking on "Use the Java version instead" in the middle of your browser window. More Java information below.

Firefox for Windows/MAC and Safari Users
The first time you use Deposzip you will be prompted to run the Java application rdcjava by Member-Data. Java 1.5.11 or higher is required to use Deposzip. If you do not have Java installed, you will be prompted to download the latest version of the Java software (free download: www.java.com).

What are the minimum system requirements necessary to use DeposZip?

Mobile Device:

JHFCU supports Mobile Deposits through our mobile apps for Apple and Android. The minimum requirements are:

Apple

  • iPhone 3GS or newer.
  • IPod touch 4G
  • iPad 2
  • iPad Mini

Android

  • Smartphones with Android  2.1 Operating System or greater

Computer:

The minimum supported environments include:

  • Windows XP with Internet Explorer 7+, or Vista with Internet Explorer 7+
  • Windows XP or Vista, with Firefox 2+
  • Mac OS X 10.6 with Safari 3+
  • *Safari on Mac OS X v10.6+ must be run in 32-bit mode
  • Mac OS X 10.6 with Firefox 2+
  • Windows 7+
  • High Speed Internet Connection
  • TWAIN compliant document scanner

Can I use any home scanner?

DeposZip uses the TWAIN specification for communicating with scanners. Most scanner software supports the TWAIN specification, but not all. For the latest information for specific scanners, enter DeposZip and click "Help with Scanners and Drivers" near the bottom of the New Deposit screen or consult with your scanner manufacturer for information on their support for TWAIN on your device.

How do I access DeposZip on my mobile device?

JHFCU supports mobile deposits through our mobile apps for Apple and Android. you will have to install our mobile app in order to make deposits through your mobile device. Once installed you can tap on the mobile deposit option to get started. (mobile system requirements)

If you have not yet applied for Mobile deposit, there may be a brief waiting period before you are able to access this service while we process your registration.  You will be notified by email when you have been approved.

Google PlayiPhone

Please read the following tips to make sure your check deposit transaction is as smooth as possible:

  • Place the check on a flat well-lit surface that contrasts with the check color (if your check is white, take the picture on a black table).
  • Take each picture from directly above the check and not at an angle.
  • Rotate your device to landscape mode when taking the picture.
  • Take each picture as close as possible, while ensuring that all four corners of the check are visible in the frame.
  • Make sure each picture is properly focused and not blurry.

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How do I access DeposZip on my computer?

When you log into DeposZip, you will see the DeposZip icon on your Account Summary page as seen below.

To make a check deposit:

1. Log on to JHFCU Internet Branch click on "Deposzip"
2. Select the account into which you wish to make a check deposit then click "Submit." 3. Endorse the back of the check(s) as follows:

a. The words “For deposit only at JHFCU”
b. The Account Number and Suffix to which it is being deposited.
c. The words “via DeposZip”
d. Payee’s Endorsement (signature)

4. Select your scanner (the first time you use the service you will be prompted to install a scanner control, you will only need to do this once)
5. Enter the total deposit amount of your checks
6. Scan the front and back of your check(s)
7. Review and Submit your deposit

Can any type of check be scanned for deposit?

No. You can only scan single-party domestic checks made payable to the owner(s) of the account. Savings Bonds, foreign checks, third party checks, checks written to you from another account of yours at JHFCU, items stamped with "non-negotiable, incomplete checks, stale-dated or post-dated" checks, any checks that contain evidence of alteration to the information, checks purported to be a lottery or prize winning and checks previously submitted for deposit are not acceptable for scanning.

When will my deposit be credited to my account?

Checks submitted for deposit prior to 3:00 pm Eastern Standard Time (EST) will be reviewed on the same business day. Deposits submitted after 3:00 pm EST will be reviewed the next business day. Business days are Monday through Friday, excluding Saturdays, Sundays, and holidays. All deposits will be credited to your account following our standard check hold policies. Please see our hold policy as defined in the Funds Availability Disclosure.

Do I need to include a deposit slip with my scanned check deposit?

No. The DeposZip program generates an electronic record with each deposit.

How many checks can be included in one deposit? Can multiple deposits be submitted each day?

Up to 999 checks can be included in one deposit and multiple deposits can be submitted as long as the accumulated dollar amount of the deposit(s) does not exceed the daily deposit limit.

How much is the deposit limit?

The default daily deposit limit is $5,000 per check, $10,000 per deposit and the monthly cumulative dollar deposit limit is $50,000.

What fees are charged to use DeposZip services?

Members can enjoy the convenience of DeposZip without incurring a fee from the credit union.

What type of accounts can I scan deposits into?

DeposZip can be made to your savings or checking account, or money market account.

What should I do with the check once it has been scanned?

Store your check(s) in a safe place for 14 days after you receive confirmation via the deposit history on Homebanking that your deposit has been accepted, and then destroy the check by shredding or another commercially acceptable means of data destruction.

I scanned my check and clicked on continue and an hourglass is tumbling but nothing is happening. What's wrong?

If the browser hangs with an hourglass, this is caused by security software on your network blocking the outbound HTTPS connection of the ActiveX control. The ActiveX software uses a direct HTTPS connection to upload your check images for processing, and will not use a configured proxy server. For most users, this does not cause any problems. However, some users may have a non-transparent proxy that prevents this direct connection, and the browser may hang with an hourglass. The Java version of DeposZip properly uses your browsers proxy configuration and will correct this error.

What if I encounter problems when the credit union is closed?

DeposZip is designed as an easy-to-use, self-service product. Select "Help" or on each line of the process for a detailed explanation, helpful hints and a short video explanation of that process step.

If I have questions, where can I go to receive help?

If you are within the DeposZip section of CUOnline 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 deposzip@jhfcu.org or call (800) 543-2870

How do I get a copy of my deposit?

If you click on the Deposit History Tab at the top right corner of the page, a listing of your scanned deposits will be displayed. If you click on the icon, you can view the deposit details along with a copy of the items included in that deposit. If you click on the  icon, you can download a copy of the deposit and print it or save it to a file on your computer for your records.

How long can I view my deposit history?

Deposit history is maintained for member review for 18 months. For deposit history more than 18 months old, you must contact Member Services at 410-534-4500 or 1-800-JHFCU-70.

The time on my computer and the time on my deposit do not match, is something wrong?

The time stamp on the deposits is in Eastern Standard Time although your computer will reflect the time zone you reside in.

How much time do I have to scan my deposits?

The DeposZip session will timeout after 20 minutes of inactivity. There is a Session timeout clock displayed on the top right corner of the screen. During the last five minutes of the session, the clock time will appear in red. Every time the page is changed, the clock refreshes.

I am trying to scan the back of my check and continue to receive an Image Quality Error, Image Too Light. What can I do?

Ensure you have properly endorsed the check. If not, delete the back image of the check you have scanned, endorse the item and rescan. If you have the proper endorsement on the check, it is possible your scanner is not detecting the whole check. You can try using the cropping feature below the scanned image within DeposZip, adjusting the brightness feature of your scanner, select 'custom' image instead of 'color' image if the option is available on your scanner or drawing dots on each corner of the check. Click on the button (next to the scan button) for more detailed help for adjusting your scanner settings and for more detailed instructions about scanner and driver software.

I have scanned the front and back of my check but it is giving me an error message that the size of the back and the front of the check do not match. How can I fix this?

Proper cropping of check images is essential to ensuring that deposited checks are processed successfully. Most scanners allow images to be cropped by previewing the scanned image then moving the box to properly surround the check. Try placing the check on the border of the scanning screen to line up the front and back of the check so the scanner reads the size of the check the same way. Clicking on the below the scanned image screen will give you more detailed instructions for properly cropping a check.