Deposit Checks Online and Access Cash the Next Business Day
It's easy, secure and free to Affinity members with Online Banking and an Affinity checking account.
Affinity's Online Deposit service provides a convenient, safe way to deposit checks anywhere, anytime. With Online Deposit, you can deposit up to $3,000 in checks online on Monday, and access your cash by end of day Tuesday.*
- What is Online Deposit?
- How long do I have to mail Affinity my online deposit?
- When are online deposits credited to my account?
- Can I order pre-addressed envelopes for Online Deposit?
- Can I bring the checks for an Online Deposit transaction to a Branch?
- Will my online deposit be considered on time if I deliver the checks to an Affinity branch on the 10th day?
- What is the maximum check deposit limit for Online Deposit?
- How do I view my available Online Deposit balance or limit?
- How secure is Online Deposit?
- What is the safest way to log out of Online Deposit?
 |
Select the Payment Manager option in Online Banking, then select Online Deposit and enter your checks. Your session number is IMPORTANT. Be sure to write it down. |
 |
Record your deposit session number on the front of your pre-addressed envelope and enclose items to be deposited. |
 |
Mail it to Affinity for arrival within 10 calendar days of your online transaction in your pre-addressed envelope. If you do not have an Online Deposit pre-addressed envelope, hand-write the Affinity address (PO Box 621, 73 Mountain View Boulevard, Basking Ridge NJ 07920) and deposit session number on a plain envelope. |
 |
To monitor the status of your online transaction, access your account through Online Deposit, and click "deposit details." Once the actual check has been received by Affinity, it is removed from Online Deposit and will no longer appear on the deposit detail page. |
Forget to Record Your Session Number?
You can still get the number before mailing your checks by reviewing your online transaction history inside of Online Banking. Simply go to the Account Summary page and select your Affinity checking account.
Your Endorsement is Important
Proper endorsement is required and recommended for your safety. Sign the back of each check before you deposit it. Your endorsement may be handwritten in ink, rubber stamped, printed or typed, in the 1 1/2" space designated on the back of the check.
As a general rule, items to be deposited must be endorsed by whomever is listed as the payee on the "Pay to the order of" line on the check.
Affinity also recommends you include "For Deposit Only" following your endorsement signature. "For Deposit Only" is considered a restrictive endorsement and protects you in the event your check falls into the wrong hands.
Unacceptable Deposit Items
Online deposits of the nature described below will result in the immediate reversal of the items from your Affinity checking account and may result in the suspension of the Online Deposit service.
- Altered Checks
An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Members with altered checks MUST get a replacement check from the maker before Affinity Federal Credit Union will accept the online deposit. - Foreign Checks
A foreign check is any check that is issued to you by a financial institution in another country (Canada, France, etc.). Foreign checks may ONLY be deposited at a branch or by mail. Please remit all foreign checks to Affinity Federal Credit Union, PO Box 621, 73 Mountain View Boulevard, Basking Ridge, NJ 07920. - Incomplete Items
An incomplete item is any item that does not contain signatures of the maker, endorsement signatures, or is missing any of the information required during key-entry in an online deposit session. - Inconsistent Dollar Amounts
Checks with inconsistent numerical and written dollar amounts. - Non-Negotiable Items
The online deposit of any item stamped with a "non-negotiable" watermark is PROHIBITED. Online deposits of this nature will result in the immediate revocation of Online Deposit and may subject the depositor to criminal prosecution. - Online Deposit of Affinity Federal Credit Union Check Drawn on Personal Account
The online deposit of a personal check that is drawn on the account holder's personal checking at Affinity Federal Credit Union is PROHIBITED. Online deposits of this nature will result in the immediate revocation of Online Deposit and may subject the depositor to criminal prosecution. - Post Dated Checks
A post dated check is a check showing a future date. - Savings Bonds
Savings Bonds can ONLY be deposited at a branch. - Stale Dated Checks
Certain checks contain instructions such as: "Void 90 days after issue date" or "Must be cashed within six months of issue date." Members with stale dated checks MUST get a replacement check from the maker before Affinity Federal Credit Union will accept the deposit.
* Some restrictions may apply.
