Using Dupaco’s app, you’ll take a photo of the front and back of a properly endorsed paper check. The check will pass through certain checkpoints for validation and, if accepted, will be credited to your checking or primary savings account.
Members whose Dupaco accounts have been in good standing for a minimum of 90 days may use mobile deposit. Any fraudulent activity will result in termination of mobile deposit privilege, and possible closure of Dupaco accounts.
Deposits are not immediately available. Dupaco’s Funds Availability policy applies to mobile deposits, with $200 becoming available when the deposit is posted and the remainder available within two (2) business days. Mobile deposits will post according to the following schedule:
Deposits made between 8 a.m. and 4 p.m. CT Monday through Friday will be posted the same day within 5 hours.
Deposits made after 4 p.m. CT Monday through Friday will be posted by 10 a.m. CT on the next business day.
Deposits are not posted on Saturday, Sunday or Holidays. They will be posted by 10 a.m. CT the next business day.
Mobile deposit is intended for personal accounts. Dupaco offers a remote check-deposit solution called NetWork Deposit for high-volume-check businesses. For more information and a free cost estimate regarding NetWork Deposit, contact Dupaco’s Business Services Department at 800-373-7600 / (563) 557-7600, ext. 203.