Skip to Content Skip to Sitemap
Hurricane Laura and Sally Assistance: If you were negatively impacted by Hurricane Laura or Sally, we are here to help. Please click here to learn about our options for financial assistance.
Online Services


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.

Please note that as of 10/31/15 the Manual and Scanned eDeposit options are no longer available.


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.



How do I deposit a check using eDeposits?

  1. After logging in to the iTHINK Financial Mobile Banking App, select the eDeposits quick link.
  2. Select deposit account, enter amount of the check and enter date, click Add Check.
  3. To begin taking pictures of the check, select the Capture icon, select take photo.
  4. Keeping the camera level directly above the check, line up the check making sure all four corners are in the photo. The camera will auto-capture the check image.
  5. Follow the same instructions to line up and photograph the back of the check.
  6. Once photos of both sides of the check are taken, you will see both images of the check on the Check Deposit confirmation screen. You can now proceed to deposit the check to the selected account.
  7. Congratulations! You have deposited a check!

Am I required to endorse my checks?

Yes. you must endorse your checks before submitting for eDeposit. Please sign your name, record your account number, and write "For Remote Deposit Only" on the back of each check as follows:

Member Signature
Account Number
For Remote Deposit Only

How do I register?

Log into Mobile Banking and then click on the “eDeposits” quick link. If this is your first time using Mobile eDeposits, you will be prompted to accept the agreement before making a deposit.

Who can use eDeposits?

eDeposits is a free service offered to all iTHINK Financial Members; however, you must be at least 18 years of age, be a Member for at least fifteen (15) days, and your accounts must be in good standing. 

How do I access eDeposits?

Log into Mobile Banking, and then click the “eDeposits” quick link from the main screen.

Are there any unacceptable deposit items?

Yes. They include, but are not limited to:

  • Foreign Checks or Items drawn on financial institutions located outside the United States
  • Altered Checks
  • Incomplete Items
  • Non-Negotiable Items
  • Non-readable or non-visible MICR line items (the numbers at the bottom of checks)
  • Deposits from the same account that the deposit is crediting
  • Checks or items payable to any person or entity other than you
  • Stale-dated checks
  • Post-dated checks
  • Checks which you know, suspect, or should know or suspect to be fraudulent
  • Checks or items not payable in United States currency
  • Items previously converted to a substitute check
  • Starter or counter checks
  • Savings Bonds

The deposit of any of the above items is strictly PROHIBITED. Deposits of this nature may result in the immediate revocation of this service, and may subject you to collection efforts.

What is the cutoff time?

Any deposits processed prior to 2:30 pm ET will be included in the current business day’s work. After 2:30 pm ET, the deposit will be considered a part of the next business day’s work.

How will I know if my deposit was accepted?

You will receive an email notification when your deposit is submitted, processed, or altered.

What if I make a mistake in the deposit?

Each deposit submitted through eDeposits is reviewed for accuracy. If a mistake is made, a correction will be performed by the Credit Union and an email message will be sent to you.

What do I do with the original checks?

You do not need to mail anything to us. Instead, you must store the check(s) in a secure location for ninety (90) days, in case the Credit Union needs the original item to clear the check.

Can I make a deposit into another Member’s account?

No. You may only make deposits into accounts you are owner of, or joint on.

Which mobile device operating versions are supported?

iPhone: 7.06 and higher

Androids: Android 4.0–4.0.2 Ice Cream Sandwich and higher

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.


Event Icon

Live Homebuyer Webinar on Sep 22

Learn More
Event Icon

Reverse Mortgage Webinar on Sep 24

Learn More
Event Icon

Business Webinar: Branding Yourself Through Social Media on Sep 30

Learn More
Scroll to Top