Running a business means finding smarter ways to save time. That’s why Salal Business Services offers digital check deposit tools that let you deposit checks without making a trip to a branch.
Whether you only receive an occasional check or process dozens each week, understanding the difference between Mobile Deposit and Remote Deposit Capture can help you choose the right solution for your business. Just as important, knowing how to endorse your checks properly can help you avoid rejected deposits and keep your cash flow moving.
Mobile Deposit vs. Remote Deposit Capture
Both Mobile Deposit and Remote Deposit Capture let you deposit checks electronically, but they’re designed for different business needs.
Mobile Deposit
If your business only deposits a few checks from time to time, Mobile Deposit is a simple, convenient option. You can securely deposit eligible checks using the Salal mobile banking app, wherever business takes you.
Remote Deposit Capture
If your business regularly receives multiple checks, Remote Deposit Capture (RDC) can help streamline your deposit process. With RDC, you can use Mobile Deposit or a desktop check scanner to quickly scan and upload checks, making it an efficient solution for businesses with higher deposit volumes.
No matter which option you use, properly endorsing your checks is an important step.
Why Proper Check Endorsement Matters
The most common reason a mobile or Remote Deposit Capture deposit is rejected is that the check wasn’t endorsed correctly.
Fortunately, avoiding this issue is easy. Before depositing a check, use a restrictive endorsement on the back of every check.
For Mobile Deposit
Write your business name, followed by:
“Mobile Deposit Only at Salal CU”
For Remote Deposit Capture
Write or stamp your business name, followed by:
“For Remote Deposit Only at Salal CU”
Write your endorsement only within the designated endorsement area on the back of the check.
Best Practices for Successful Deposits
A few simple habits can help your deposits process smoothly:
- Use blue or black ink so your endorsement scans clearly.
- Make sure your writing is neat and free from smudges.
- If your business operates under multiple entities or DBAs, use the business name associated with the account receiving the deposit.
- Do not sign a check over to another person. Salal does not accept third-party checks.
Taking a few extra seconds to endorse each check correctly can save you time later.
What Happens If Your Deposit Is Rejected?
If your Mobile Deposit or Remote Deposit Capture is rejected because of an endorsement issue, don’t worry.
We’ll email you with details about the rejected check, including the check number, deposit amount, and instructions for correcting the endorsement before resubmitting it.
In some cases, the Mobile Deposit app or RDC may not allow a rejected check to be resubmitted. If that happens, you can mail the original check to:
Salal Credit Union
ATTN: Business Services
9706 4th Ave. NE
Seattle, WA 98115
Save Time with an Endorsement Stamp
If your business regularly deposits checks, an endorsement stamp can speed up and standardize the process.
Salal Business Services can help you order a custom endorsement stamp through Harland Clarke. If you prefer, you’re also welcome to order one through another vendor.
To learn more or place an order, contact our Business Services team at 206.298.9398 or businessservices@salalcu.org.
Learn More About Remote Deposit Capture
Whether you’re using Mobile Deposit today or considering Remote Deposit Capture for your growing business, we’re here to help you choose the tools that fit the way you work.
For complete details, please review the Mobile Check Deposit Disclosure & Agreement or the Remote Deposit Capture Disclosure & Agreement or contact your Business Account Officer.
