Idaho Central Credit Union

  1. Exactly what equipment and software do I need to access eBranch?
  2. Is the Internet safe and secure for online banking?
  3. Can anyone else see my account information? Is it out in the public?
  4. What if eBranch goes down? Will my payments be made, will my transfers go through?
  5. How long does it take for a payment to reach my payee?
  6. What type of accounts are included in eBranch?
  7. Can I have more than one checking account linked to eBranch?
  8. How current is this information?
  9. Should the payment date I give be the date the payment is actually due?
  10. When using Bill Payment, how soon will the funds be withdrawn from my account??
  11. What happens if I don't have enough money in my account to cover a bill payment?
  12. When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?
  13. Why does it take a few days to process payments?
  14. What should I do if a payee has not posted my payment?
  15. How can I prove payments and transfers were made?
  16. How will the payments be made?
  17. Can I choose the method of payment?
  18. Does eBranch work with other accounting software (i.e., Quicken®, Money®)?
  19. How much history is available on eBranch?
  20. Will scheduled transfers set up in eBranch process on weekends and holidays?
  21. Why have the password requirements changed for eBranch?
  22. If I use Quicken or Microsoft Money, what version do I need to be compatible with eBranch?
  23. Can I make my Idaho Central Visa payment online?
  24. How do I receive my Alerts?
  25. How do I setup my Financial Alert options?
  26. How do I setup my Personal Alert options?
  27. How often will I receive my Alert?
  28. How can I delete an Alert?
  29. How do I review a history of my Alerts?
  30. How do I access Mobile Banking?
  31. How do I know if my phone is web-enabled?
  32. What services are available through Mobile Banking?
  33. Is there a fee to use Mobile Banking?
  34. Which mobile devices are supported for Mobile Banking?
  35. How does Mobile Banking handle Security?
  36. Can I use Mobile Banking if I don't have an existing ICCU account?
  37. What happens if I get locked out of Mobile Banking?
  38. How do I register for Text Banking?
  39. What features are available with Text Banking?
  40. Can I use Text Banking if I don't have an eBranch account?
  41. What number do I send text commands to in order to receive account information?
  42. Is there a fee to use Text Banking?
  43. What if I don't receive a response after issuing a Text Banking command?
  44. Can I use a signature with Text Banking?
  45. What are the Text Banking commands I can use?
  46. Is it safe to use Text Banking?
  47. Why do I receive multiple text messages back in response to a balance or history inquiry with Text Banking?
  48. What do I need to access Mobile Deposit?
  49. Can I deposit multiple checks at a time using Mobile Deposit?
  50. Are my funds available immediately when I use Mobile Deposit?
  51. Will I be able to see deposits made with Mobile Deposit in eBranch?
  52. What if I receive a deposit error message for Mobile Deposit or My Deposit and I'm unable to deposit the check?
  53. What do I need to access My Deposit?
  54. Can I deposit multiple checks at a time using My Deposit?
  55. Are my funds available immediately when I use My Deposit?
  56. Will I be able to see deposits made with My Deposit in eBranch?
  57. What is an expedited payment?
  58. Is there a charge for Expedited payments?
Question #1
Exactly what equipment and software do I need to access eBranch?

Answer:
You'll need an Internet service provider, a modem (28,800 baud or higher is recommended), and Browser software which supports Secure Sockets Layer (i.e. Netscape 4.x or newer, Microsoft Internet Explorer 4.x or newer. Latest browser version is recommended).


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Question #2
Is the Internet safe and secure for online banking?

Answer:

Yes. This is a common concern with banking and commerce on the Internet. Data on the Internet is safeguarded by encryption as it moves between systems. Data residing on a system can only be accessed by using an authorized sign-on ID and Password.

Any kind of breach in the security of our systems would be a serious business issue for the Credit Union. Our success depends on our ability to manage these systems safely and to continue to earn your trust as our member. Please be assured that we will take every measure possible to protect the financial information and resources you have entrusted to us.

You can help safeguard your information and the banking systems by protecting your Sign-On ID and Password. A proper combination of your Sign-On ID and Password is the only way to get access into your account. Please be careful to keep this information secure.


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Question #3
Can anyone else see my account information?

Answer:
Your online account information is available through access methods which have been rigorously tested for their secure access. The information is not public. Only you can access it using your Sign-On ID and Password.


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Question #4
What if eBranch goes down? Will my payments be made, will my transfers go through?

Answer:
If eBranch and all of our backup systems were to go down, you can be confident that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact the Credit Union to ensure your transaction request has been accepted.


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Question #5
How long does it take for a payment to reach my payee?

Answer:
Each payment made by eBranch will be processed either by check or by electronic funds transfer. If the payment is made through electronic funds transfer, it will take up to three business days for the payment to reach your payee. Payments made by check will be delivered via the postal service. Delivery could take up to five business days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time.


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Question #6
What type of accounts are included in eBranch?

Answer:
You can access the following types of accounts:
  • Checking
  • Savings
  • Loan
  • CD's/Investment


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Question #7
Can I have more than one checking account linked to eBranch?

Answer:
Yes. You can link all of your checking accounts to eBranch.


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Question #8
How current is this information?

Answer:
All transactions and balance updates are immediate. So any transactions you perform today that change your balance (i.e. deposits, withdrawals), will be reflected in the register once the transaction is complete.


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Question #9
Should the payment date I give be the date the payment is actually due?

Answer:
No. For bill payments, ensure that you set the Send On date at least 3 business days in advance of the due date for electronic payments and 5 business days in advance of the due date for check payments.

To determine the payment method for payees, click on the Payment Records link in Bill Payment and locate the payment method in the Paid From column for a specific payee. This information will only be available for payees which you've already submitted payments for.

Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.

Additional help can be accessed within Bill Payment by clicking on the Help link. If you have questions regarding a specific bill payment, please contact our bill payment provider at 1-877-285-0036.


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Question #10
When using Bill Payment how soon will the funds be withdrawn from my account?

Answer:
The funds will be withdrawn from your account 1-2 business days after the payment's scheduled Send On date. Note that although the funds are pulled from your account at this time, the payment will reach your payee within 3 business days from the Send On date for electronic payments and within 5 business days from the Send On date for check payments.


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Question #11
What happens if I don't have enough money in my account to cover a bill payment?

Answer:
Idaho Central will make every effort to cover items presented to us when the account is overdrawn. Otherwise, the payment will be returned for Non-Sufficient Funds. There is a fee of $29.79 per item whether it is covered by the Credit Union or returned as Non-Sufficient Funds.


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Question #12
When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?

Answer:

When you schedule a payment, Bill Payment warehouses the payment until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee.

Once the system has determined that it is time to process the payment, the payment is changed to a processing status. The payment is then processed by conducting an electronic funds transfer, or a check is produced and made payable to the payee from your account. The check is then sent to the payee via regular mail.

It is recommended that you to submit payment requests seven days in advance of the bill due date, this ensures there is sufficient lead time to process your request and get it to the payee by the date you specify.


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Question #13
Why does it take a few days to process payments?

Answer:
Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account with them. Even for electronic payments, it may take two or three days for your payment to be posted. By allowing a few days for processing and delivery, we can guarantee that your bills are paid on time.


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Question #14
What should I do if a payee has not posted my payment?

Answer:
You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account with them after a few days, you can contact our bill payment provider, Metavante, at 1-877-285-0036 to research the problem.


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Question #15
How can I prove payments and transfers were made?

Answer:
Payments and transfers will appear on your transaction register within eBranch so you can verify that they posted. Additionally, you'll also continue to receive your monthly statements from ICCU and your individual payees in which transaction history can be validated.


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Question #16
How will the payments be made?

Answer:
We use two methods of payment:
  • Electronic - Bill Payment sends an electronic credit to your payee and electronically debits your checking account on your scheduled payment date.

  • Laser Draft - looks and acts just like one of your personal checks.


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Question #17
Can I choose the method of payment?

Answer:
No. Bill Payment will process the payment electronically if possible. If not, then an Online Check is produced. Over time, some payees which could not accept electronic payment may be able to. They will then begin being paid electronically.


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Question #18
Does eBranch work with other accounting software (i.e., Quicken®, Money®)?

Answer:
Absolutely. eBranch was designed to be highly compatible with these popular software products. Simply click on the appropriate Quicken or Money logo on the Accounts Summary page to download your information. If these links are not available, please contact us and we'll enable this option for you.


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Question #19:
How much history is available on eBranch?

Answer:
Account history is available from July 1, 2006 to the present. By default, the transaction register will display 90 days worth of history. If you are looking for history prior to that time, it can be accessed by clicking the "Research" button on the Transaction Register page. For information prior to July 1, 2006 you are able to obtain this data via Online Statements. To access this area, click on the "Online Statements" button located on the Accounts Summary page.


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Question #20
Will scheduled transfers set up in eBranch process on weekends and holidays?

Answer:
Yes. Scheduled transfers set up in eBranch will process on both weekends and holidays.


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Question #21
Why have the password requirements changed for eBranch?

Answer:
Password requirements to access eBranch have been enhanced for your protection. We have implemented these changes to help ensure that your access to eBranch remains secure.

Some things to remember about password security:
  • Secure passwords should incorporate the use of at least 7 characters, upper- and lower-case letters, and a combination of letters, numbers, and symbols.
  • Passwords should be changed on a regular basis.
  • Examples of common BAD PASSWORD choices include: significant other's name, children's names, birth date, pet's name, favorite sports team, mother's maiden name, town where you grew up.


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Question #22
If I use Quicken or Microsoft Money, what version do I need to be compatible with eBranch?

Answer:
We provide support for the current version, plus the previous two versions for both Quicken and Microsoft Money.


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Question #23
Can I make my Idaho Central Visa payment online?

Answer:
Yes. Use the Transfer Funds button to make your Visa payment. If your Visa is setup on automatic payment and your payment is not made before the 15th of the month, the minimum automatic payment will be pulled on the 15th.


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Question #24
How do I receive my Alerts?

Answer:
To set how alerts are delivered to you, click the Options link from within eBranch. Follow these few simple steps to set your delivery preferences correctly:
  1. Provide your current password in the Enter Current Password field. This is required to update settings in the Options area.
  2. In the EMail Address and Work EMail Address fields, enter the email address you'd like to have your alerts delivered to. You can also enter a phone text address in one of these fields if you'd like to receive your alerts as a text message to your phone. Sample phone addresses are provided below. We recommend reserving your personal email address for the EMail Address field, and then providing a phone text address in the Work EMail Address field if you are interested in receiving text alerts to your phone.
  3. Locate the Alert Controls section near the bottom of the page. For each type of alert that you'd like to receive, place a check mark next to the Mailbox or EMail checkbox. Checking Mailbox will deliver the alerts to your eBranch Mail Box, while the EMail option will deliver the alerts to the addresses set in the Work and EMail Address fields.
  4. If you've selected the EMail checkbox, you'll now need to select which email address you'd like the alert to be sent to. In the drop down box directly to the right, select either EMail Address, Work EMail Address, or All EMail Addresses. For example, if you've set an email address and a phone text address in the EMail Address and Work EMail Address fields above, selecting All EMail Addresses from the drop down will send the alert messages to your email address and your phone.
  5. Click the Continue button at the bottom of the page to submit your changes.
Note that Wireless Text Messaging addresses usually consist of your ten-digit cellular phone number (without dashes), followed by "@" and the service provider's domain name. Below is a list of some common wireless phone service providers, and the Text Message address formats they use.
  • Alltel - 10digitphonenumber@message.alltel.com
  • AT&T - 10digitphonenumber @txt.att.net
  • Cingular - 10digitphonenumber @cingularme.com
  • Nextel - 10digitphonenumber @messaging.nextel.com
  • Sprint - 10digitphonenumber @messaging.sprintpcs.com
  • T-Mobile - 10digitphonenumber @tmomail.net
  • Verizon - 10digitphonenumber @vtext.com


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Question #25
How do I setup my Financial Alert options?

Answer:
Click on Setup Financial Alerts. This can be accessed from the Options > Alert Controls section or from the Alerts button on the Account Summary screen (Note: If you click the Alerts button the Active Alerts page will display. From here click Add Financial Alerts.)
  • Select the account that you'd like to set the alert for.
  • Setup Balance Alerts
    • Notify me when ... - this drop down provides a choice of events that can trigger an Alert.
      • Is greater than
      • Is less than
  • Setup Check Transaction Alerts
    • Notify me when ... - a check transaction has occurred (enter check #).
    • Notify me when a check amount ...
      • Is greater than
      • Is less than
      • Is equal to
  • Setup Other Transaction Alerts provides a listing of transaction types that may apply to your financial alert. A transaction must occur to trigger the event. The following Transaction Types are available for selection:
    • Notify me when ...
      • Electronic funds transaction has occurred (Bill Payment, Direct Deposit, ACH withdrawal)
      • Incoming wire posted to the account
      • Is equal to
    • Choose Additional Criteria and Amount based on transaction type
      • Is greater than
      • Is less than
      • Is equal to
  • Click Continue to create your alert.


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Question #26
How do I setup my Personal Alert options?

Answer:
Click on Setup Personal Alerts. This can be accessed from the Options > Alert Controls section or from the Alerts button on the Account Summary screen (Note: If you click the Alerts button the Active Alerts page will display. From here click Add Personal Alerts.)
  • On ... - enter the date or select a date from the Calendar that you would like to receive the Alert.
  • Notify me that ... - enter the information that you would like to receive in the Alert.
  • Every ... - select the recurrence schedule for the Alert. You can choose from the following recurrences:
    • Annual
    • Bi-Weekly
    • Monthly
    • Semi-Annually
    • Weekly
  • # of Times ... - enter the number of times that you would like to receive the Alert.
Sample Recurrences: If you select One Time as your recurrence schedule, then enter 1 in the # of Times field. If you would like to receive and Alert every month for a year, select Monthly as your recurrence schedule and enter 12 in the # of Times field.


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Question #27
How often will I receive my Alert?

Answer:
eBranch will automatically perform a check once a day to determine if any of your alert criteria have been met at approximately 8:00 a.m.. If so, eBranch will send out an alert to your preferred method of contact.

However, you could potentially receive multiple alerts throughout the day. Alerts can also be triggered during the time that you log into the eBranch system. So, if you have an alert that checks to see if your balance falls below a threshold, you could potentially receive this alert a few times during the day depending on the number of times you sign into the eBranch system. Please note that alerts will not be sent between the hours of 8:00 p.m. and 8:00 a.m.


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Question #28
How can I delete an Alert?

Answer:
From the Active Alerts screen, select DEL under Actions. After a Financial or Personal Alert is added, it can't be edited.


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Question #29
How do I review a history of my Alerts?

Answer:
From the Alerts Control screen (Options > Alert Controls section), click on the Alerts History Report link and there you can review a history of Alerts. If Summary Information is requested, each Alert will include: Date Created, Date Sent, Status, Account and Subject. For detailed information that includes an additional line with the content of the Alert message, uncheck Show Summary Only and click Update.


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Question #30
How do I access Mobile Banking?

Answer:
In order to access Mobile Banking, you need to have eBranch access (a valid Sign-On ID and Password) and a wireless device with an Internet connection. Simply enter the URL www.iccu.com into the browser of your Internet-enabled wireless device and then log in using your eBranch Sign-On ID and Password.


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Question #31
How do I know if my phone is web-enabled?

Answer:
If you have a MiniBrowser, MicroBrowser or Wireless Web on your phone, then it is most likely web-enabled. Contact your mobile phone carrier to confirm that your phone is web-enabled and that the service is activated. Wireless service provider data charges may apply.


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Question #32
What services are available through Mobile Banking?

Answer:
Mobile Banking features account balances, account transaction history, transfers, view cleared check images, stop payment, branch/ATM locator, rates, and bill payment options. More options are available through our iPhone and Android apps such as Mobile Deposit.


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Question #33
Is there a fee to use Mobile Banking?

Answer:
No. Mobile Banking is free of charge. However, data charges or additional fees to access the Internet from your device may apply to your wireless plan. Please contact your wireless service provider for additional information.


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Question #34
Which mobile devices are supported for Mobile Banking?

Answer:
You can access Mobile Banking from any web-enabled mobile phone. Just type www.iccu.com into your phone’s browser. If you have an iPhone or Android, download the ICCU Mobile Banking app for even easier access.


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Question #35
How does Mobile Banking handle Security?

Answer:
Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. All data that is passed is also encrypted using the Secure Socket Layer (SSL) layer. Additionally, a session time-out feature will log users out of Mobile Banking after five minutes of inactivity.


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Question #36
Can I use Mobile Banking if I don't have an existing ICCU account?

Answer:
An eBranch Sign-On ID and Password is not required for Mobile Banking in order to access general information such as rates and locations. However, in order to make payments, transfer funds, etc., with Mobile Banking, you must first enroll in eBranch to obtain a Sign-On ID and Password. This information is then used to access Mobile Banking.


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Question #37
What happens if I get locked out of Mobile Banking?

Answer:
As with eBranch, you must call ICCU's Member Contact Center to reset your password. Once your password is reset, you must first specify your new password on eBranch via your PC. For security reasons, you may not specify your new password on Mobile Banking. Once your password is set up on your PC, you may use your Sign-On ID and Password to immediately log in to Mobile Banking.

Similar to eBranch, you will have three attempts to sign in successfully to Mobile Banking prior to the system locking you out. If you lock yourself out of Mobile Banking, this will also lock you out of the eBranch system, and vice versa.


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Question #38
How do I register for Text Banking?

Answer:
You can register your phone by entering your eBranch Sign-On ID and password on the Text Banking enrollment page. Simply follow the steps to add a new device and you can begin using the Text Banking features.


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Question #39
What features are available with Text Banking?

Answer:
With Text Banking you are able to receive balance information for all of your eBranch accounts. You're also able to receive the last 3 transactions for each of your eBranch accounts.


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Question #40
Can I use Text Banking if I don't have an eBranch account?

Answer:
No. You must already have an existing Sign-On ID and Password for eBranch in order to enroll for Text Banking. Don't have eBranch? Sign up today.


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Question #41
What number do I send text commands to in order to receive account information?

Answer:
The SMS short code for Text Banking is 21443.


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Question #42
Is there a fee to use Text Banking?

Answer:
No. Text Banking is free of charge. However, text charges for your device may apply to your wireless plan. Please contact your wireless service provider for additional information.


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Question #43
What if I don't receive a response after issuing a Text Banking command?

Answer:
First, check your device settings to make sure your device isn't set to block incoming SMS messages. Second, contact your wireless service provider to ensure ICCU's Text Banking short code of 21443 isn't being blocked for your specific wireless plan. If you still experience issues, please give us a call.


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Question #44
Can I use a signature with Text Banking?

Answer:
No. An automated signature added at the end of a Text Banking command will return an error message, or in some cases won't return a response at all. Please manually delete the auto signature in the text message prior to issuing Text Banking commands.


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Question #45
What are the Text Banking commands I can use?

Answer:
Text any one of the following commands to 21443:
  • iccu bal - receive current account balances
  • iccu hist - receive last 3 transactions for accounts
  • iccu cmd - receive a text message of commands
  • iccu help - receive help information
  • iccu stop - unregister your device


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Question #46
Is it safe to use Text Banking?

Answer:
Yes. The Text Banking system will not send text messages with any confidential information about you or your accounts. However, we strongly recommend that you rename accounts appropriately in eBranch to mask full account numbers prior to using the Text Banking system.

Additionally, the Text Banking registration process requires the same secure login information for eBranch in order to successfully register your device.


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Question #47
Why do I receive multiple text messages back in response to a balance or history inquiry with Text Banking?

Answer:
Most wireless service providers only allow 160 characters per text message. As a result of this limitation, the Text Banking system will break up the text messages that are sent to you into multiple messages.


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Question #48
What do I need to access Mobile Deposit?

Answer:
You will need to install the ICCU Mobile Banking App to your iPhone or Android mobile device. By selecting the Mobile Deposit icon you will be taken through the enrollment process. Once enrolled, you will use the camera on your mobile device to deposit checks. Enrollment will generally take up to one business day once approved. For questions, please contact our Online Service Center at 1-800-456-5067.


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Question #49
Can I deposit multiple checks at a time using Mobile Deposit?

Answer:
You can only make single check deposits during a transaction.


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Question #50
Are my funds available immediately when I use Mobile Deposit?

Answer:
Up to $200 will be immediately available. The remaining funds will be generally available the next business day.


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Question #51
Will I be able to see deposits made with Mobile Deposit in eBranch?

Answer:
Yes, deposits made using this service will be shown in eBranch or using the ICCU Mobile Banking app. You may need to log off and back on to the system to refresh the data and see the transaction.


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Question #52
What if I receive a deposit error message for Mobile Deposit or My Deposit and I'm unable to deposit the check?

Answer:
There may be information on the check that is unreadable or the system is not able to process. Please take the check to your local branch for deposit.


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Question #53
What do I need to access My Deposit?

Answer:
You will need a scanner attached to your home computer and access to eBranch Online Banking. By selecting My Deposit in eBranch you will be taken through the enrollment process. Once enrolled, you will be able to use your scanner to deposit checks. Enrollment will generally take up to one business day once approved. For questions, please contact our Online Service Center at 1-800-456-5067.


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Question #54
Can I deposit multiple checks at a time using My Deposit?

Answer:
Yes, you can make multiple check deposits during a transaction.


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Question #55
Are my funds available immediately when I use My Deposit?

Answer:
Up to $200 will be immediately available. The remaining funds will be generally available the next business day.


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Question #56
Will I be able to see deposits made with My Deposit in eBranch?

Answer:
Yes, deposits made using this service will be shown in eBranch. You may need to log off and back on to the system to refresh the data and see the transaction.


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Question #57
What is an expedited payment?

Answer:
An expedited payment will allow a payment to be delivered faster than our standard payments. There are two kinds of expedited payments, Expedited Electronic and Expedited Overnight Check. It will depend on what service the payee accepts as to which expedited payment option will be offered.


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Question #58
Is there a charge for Expedited payments?

Answer:
Yes, the Expedited Electronic which will deliver the finds via ACH will cost of $2.00, the Overnight Check option is $15.00 which a check will be sent to the payee.