A free secure service that allows you to scan paper checks from your desktop and electronically sends the images to JHFCU for deposit through Homebanking.
The basic requirements include a member at least 18 years of age, have the account open for a minimum of 180 days and with 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
No, DeposZip is accessible to qualified members on Homebanking.
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).
The minimum supported environments include:
PC
MAC
Other
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.
When you log into Homebanking, 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
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.
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.
No. The DeposZip program generates an electronic record with each deposit.
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.
The default daily deposit limit is $5,000 per check, $10,000 per deposit and the monthly cumulative dollar deposit limit is $50,000.
Members can enjoy the convenience of DeposZip without incurring a fee from the credit union.
DeposZip can be made to your savings or checking account, or money market account.
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.
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.
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 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
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.
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 stamp on the deposits is in Eastern Standard Time although your computer will reflect the time zone you reside in.
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.
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 ![](/"images/question.jpg"){kind=small}
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.
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.
