e-Deposits

e-Deposits* allows you to deposit checks online— anytime, anywhere!

Tired of running to the credit union every time you have a check to cash?

e-Deposits will save you time and money. Cashing your checks will never get easier. With e-Deposits all you have to do is log on to your Day Air account through PCU (Day Air's online banking) and post your checks.  It doesn't get any better than that.

Here's how it works?  Log on to your PCU account and click on account services.  The first time you use e-Deposits you'll have to enroll and agree to the terms and conditions.  Once you've done that, you can begin posting your checks.  The system will prompt you to answer certain questions (i.e. Payee, Check #, Acct #, Routing # etc.).  Once you've entered this info you'll click on submit and we will provide you with a tracking ID #.  Note this number below your signature on the back of the check as well as the back of your envelope.  Then, just pop it in the mail and your done. 

Click here for a step by step guide!

Send e-Deposits to:  

• Flexibility to cash checks when you need to
• Have immediate access to your funds
• View your deposits and e-Deposit history
• Save time and money
• And much more!
  
  
               e-Deposit Frequently Asked Questions
  

What are e-Deposits?
e-Deposits put ultimate convenience at your fingertips by allowing you to submit check deposits online 24/7 giving you instant access to those funds! No more waiting to get to a branch or ATM. No more waiting for checks to clear. No more waiting – period!

How do e-Deposits work?
Just make your deposit online and be sure we receive your check(s) via mail within ten (10) calendar days of your online transaction. We’ll credit your account immediately, so the funds will be available for you to pay your bills online, write checks, withdraw as cash, or transfer to other accounts the moment you complete your deposit.

How do I access e-Deposits?
Access is easy! Just log in to PCU and click on “Account Services” from the menu at the left.. Select “e-Deposits” and click on “enroll in e-Deposits”. Once you have completed enrollment, you are ready to start making deposits.

How much can I deposit?
The maximum available deposit amount for e-Deposits is $750.00. At any given time, you are able to deposit this amount less any pending e-Deposits. As we receive and process your checks toward pending deposits, your available deposit amount will replenish itself.

How is eligibility determined?
In order to be eligible for e-Deposits, you must satisfy all of the following criteria:
1. You must have an active checking account in good standing with the credit union for a minimum of 6 months.
2. Age restrictions may apply.
3. The account must have a valid mailing and email address.
4. Credit Score restrictions do apply.
The Credit Union reserves the right to amend the criteria at any time.

How many days do I have to submit my checks after I complete my deposit online?
We must receive your checks within ten (10) calendar days of the online transaction date.

What do I need in order to use e-Deposits?
Computer access to the PCU service and a printer, though not necessary, a printer can be used to print a copy of your e-Deposit receipt.

Will I be able to use e-Deposits immediately upon registering?
Yes. As soon as you accept the Terms & Conditions, you can make deposits.

Please address your envelope exactly as follows:
Day Air Credit Union
P.O. Box 292980
Kettering, Ohio 45429
Tracking ID: ________________

Which of my accounts will accept e-Deposits?
e-Deposits can only be made to all savings and checking accounts excluding IRAs and Health Savings Accounts.

What happens to my account if the Credit Union does not receive my check(s) on time?
Your account may be debited the amount of the deposit and an e-Deposit late fee may be charged. This is called an adjustment. Refer to the Rate and Fee Schedule available at the credit union.

What is an adjustment?
An adjustment is a correction or reversal made to your account when the checks received by the Credit Union do not match what was entered into e-Deposits, and/or the checks are late or are never received. If an adjustment is required, your account may be charged a fee. Refer to the Rate and Fee Schedule for current fee amounts.
The following examples may require an adjustment to your account:
        You forget to include the check(s) in your envelope
        The check(s) amount does not match the amount on your deposit receipt
        You send us extra checks or not enough checks
        Check(s) received is drawn on a foreign institution
        Check(s) received is drawn on the same account being deposited to.

Can I submit my check(s) at a branch office to ensure that my deposit is received within ten (10) calendar days?
Yes, you may take the deposit to any branch office for processing. Be sure to write your account number and tracking number on the back of the check. You may not deposit the checks at an ATM.

Can I deposit third-party checks via e-Deposits?
No. All checks must be made payable to an account owner.

Will e-Deposits accept stale-dated or post-dated checks?
PCU will allow you to enter whatever the date is on the check. Upon receipt of the deposit, the Credit Union may not post any check that is more than six (6) months old or beyond the current date. This deposit may be adjusted off of the account, a fee assessed, and the check returned to you.

What do the different e-Deposit statuses mean?
PENDING – Your deposit has been accepted and the credit has been posted to your account. We
have not yet received your checks.
RECEIVED – Your checks were received on time and your online transaction was accurate,requiring no adjustments.
CANCELLED – Your deposit has been cancelled.
DELINQUENT-Your deposit has not been received by the end of the grace period and is past due.

Are members notified of e-Deposit check(s) due dates, delinquency, or modifications?
      -You will receive an eAlert when you log into PCU via the Alert Center    notifying you of any delinquent deposits, approaching due dates, or if a deposit is modified or cancelled.
       -You will receive an email message when an e-Deposit is delinquent, a due date approaches, or if a deposit is modified or cancelled.

How do I dispute a transaction?
You will need to contact the credit union either at one of the following:
         - 937-643-2160 or 1-888-329-2472
         - “Contact us” using the PCU secured messaging channel
         - P.O. Box 292980 Kettering, Ohio 45429 Attention: e-Deposits