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eDeposits

eDeposits is an easy and convenient way for iTHINK Financial Members to deposit checks through Mobile Banking and receive immediate provisional credit. eDeposits allows you to take a picture of your check with your mobile phone and upload it for deposit!

eDeposits is a FREE service for iTHINK Financial Members! 

Benefits of using eDeposits

  • Convenience of anytime, anywhere online deposits
  • Instant access to an Advance Amount of the funds deposited
  • Eliminate branch or CO-OP Shared Branch visits

How to make an eDeposit

Using your mobile phone, log in to our Mobile Banking system and click on the eDeposits quick link. Then place your check under your phone's camera and the eDeposits system will auto-capture the check image and upload it automatically. Your deposit will be fully processed by the Credit Union same day if made prior to 2:30 p.m. ET Monday-Friday, or else the next business day.

How does it work?

Simply open the eDeposits option inside Mobile Banking, enter a few details about the check, and place your check under your phone's camera. The eDeposits system will auto-capture the check image and upload it automatically. Your deposit will be fully processed by the Credit Union same day if made prior to 2:30 p.m. ET Monday-Friday, or else the next business day, without the hassle of coming into the Credit Union or mailing the original items.

Below is a chart to explain how much you could receive immediately per deposit:

Deposit Advance Amounts
Levels Deposit Amount Amount of Advance
Level 1
Diamond (only)
$1 – $50,000 Up to $5,000
Level 2
Gold & Platinum
$1 – $35,000 Up to $500
Level 3
Bronze, Youth,
New Member (more than 90 days)
$1 – $20,000 Up to $200


  • Your eligibility may change daily and your accounts must remain in good standing (no delinquent loans or negative balances).
  • Your Rewards Level may change monthly.
  • If you use up your “available” amount, the balance will not be released until the deposit is received by the Credit Union.

Quick Tips

  • When photographing your check, use a well-lit area to ensure that the check images are correctly captured.
  • Keep phone level, do not take a photo at an angle, and keep phone directly over check.
  • Keep hands clear of the check when photographing. For best results, lay the check on a flat, dark colored non-reflective surface when taking pictures.
  • Make sure that the entered check amount matches the amount on each check entered.

 

FAQs

 
 

For more information, please refer to the eDeposits User Agreement or contact a Member Service Advisor. Message and data rates may apply, contact your provider for details. Federally insured by NCUA.

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