Mobile Banking Remote Deposit Capture criteria
The following list of warning codes will automatically eliminate eligibility for remote deposit capture:
Active warnings…..at account, or share level:
015 – bankrupt
020 – verbal bankruptcy
037 – revoked member privileges
040 – Check Caution
052 – QDCD/Level I
053 – QDCD/Level II
054 – QDCD/Level III
055 – QDCD/Pennyrile Collections
056 – QDCD/CBS
057 – QDCD/Suit
063 – Restrict ATM Machine based-transactions
065 – Restrict ATM deposits
076 – Fraud Collection
077 – Fraud Risk Mgmt
098 – Charged Off Share/Loan
RDC limit $500 – if the following are true…
Checking type 110, 120, 130 open => 6 months
SET User Number 05 Eligibility Flag to Yes
SET User Amount 01 Per item Flag to $500
SET User Amount 02 Daily Aggregate Limit to $500
SET User Amount 03 Daily Credit Limit to $200
SET User Amount 07 Monthly Aggregate of Deposits to $5000
RDC Limit of $2000 If….
Checking type 110, 120, 130 open =>12 months or
Last direct deposit date within last 35 days and Direct deposit amount > $500 or
ODT Eligible = Y and Overdraw Tolerance >$500
Last credit score is =>650
or
or
Aggregate share balances >$5000 (share types 0010, 0030, 0070, 0190, 7000-9999) or
Open loan type 40, 50, 70, 80, 90, 100, 120, 130, 140, 150, 160, 170, 180, 200, 210, 300. 310. 400. 410,
420, 430, 435, 440, 450, 460, 170, 500, 580 with a due date no greater than 60 days past or
Tracking Record 00, with balance and due date not more than 60 days past
or
Tracking Record 30 with a balance > $0.00 or a last payment date not more than 45 days past
SET User Number 05 Eligibility Flag to Yes
SET User Amount 01 Per item Flag to $2000
SET User Amount 02 Daily Aggregate Limit to $2000
SET User Amount 03 Daily Credit Limit to $200
SET User Amount 07 Monthly Aggregate of Deposits to $5000
RDC limit $3000 if……
Checking type 110, 120, 130 open >24 months or
Last direct deposit date within last 35 days and Direct deposit amount > $800 or
ODT Eligible = Y and Overdraw Tolerance >$800
or
Last credit score (tracking record 33) =>710 Or
Aggregate share balances >$10000 (share types 0010, 0030, 0070, 0190, 7000-9999) or
Open loan type 40, 50, 70, 80, 90, 100, 120, 130, 140, 150, 160, 170, 180, 200, 210, 300. 310. 400. 410,
420, 430, 435, 440, 450, 460, 170, 500, 580 with a due date no greater than 60 days past or
Tracking Record 00, with balance and due date not more than 60 days past or
Tracking Record 30 with last payment date not more than 45 days past
SET User Number 05 Eligibility Flag to Yes
SET User Amount 01 Per item Flag to $3500
SET User Amount 02 Daily Aggregate Limit to $3500
SET User Amount 03 Daily Credit Limit to $200
SET User Amount 07 Monthly Aggregate of Deposits to $7000
RDC limit $5000
Checking type 110, 120, 130 open >24 months or
Last direct deposit date within last 35 days and Direct deposit amount > $1200 or
ODT Eligible = Y and Overdraw Tolerance >$1000 or
Last Credit Score (tracking record 33) =>750 Or
Aggregate share balances >$15000 (share types 0010, 0030, 0070, 0190, 7000-9999) or
Open loan type 40, 50, 70, 80, 90, 100, 120, 130, 140, 150, 160, 170, 180, 200, 210, 300. 310. 400. 410,
420, 430, 435, 440, 450, 460, 170, 500, 580 with a due date no greater than 60 days past or
Tracking Record 00, with balance and due date not more than 60 days past or
Tracking Record 30 with last payment date not more than 45 days past
SET User Number 05 Eligibility Flag to Yes
SET User Amount 01 Per item Flag to $5000
SET User Amount 02 Daily Aggregate Limit to $5000
SET User Amount 03 Daily Credit Limit to $200
SET User Amount 07 Monthly Aggregate of Deposits to $10000
For Business Accounts…..
RDC Limit $3000
Checking type 160 or 180 open => 6 months or
Aggregate share balances >$5000 (share types 0060, 0070, 0195, 7000-9999) or
Open loan types 45, 55, 205, 215, 216, 305, 315, 350, 480, 481, 550, 560, 570 with balance greater than
$5,000 and with due date no greater than 60 days past Or
Open Tracking Record Type 30 with balance >$2500 or last payment date not greater than 45 days past
SET User Number 05 Eligibility Flag to Yes
SET User Amount 01 Per item Flag to $3000
SET User Amount 02 Daily Aggregate Limit to $3000
SET User Amount 03 Daily Credit Limit to $200
SET User Amount 07 Monthly Aggregate of Deposits to $10000
RDC Limit $5000
Checking type 160 or 180 Open => 12 months
or
Aggregate share balances >$10000 (share types 0060, 0070, 0195, 7000-9999) or
Open loan types 45, 55, 205, 215, 216, 305, 315, 350, 480, 481, 550, 560, 570 with due date no greater than 60
days past Or
Open Tracking Record Type 30 with balance >$2500 or last payment date not greater than 45 days past
SET User Number 05 Eligibility Flag to Yes
SET User Amount 01 Per item Flag to $5000
SET User Amount 02 Daily Aggregate Limit to $5000
SET User Amount 03 Daily Credit Limit to $200
SET User Amount 07 Monthly Aggregate of Deposits to $12000
RDC Limit $7000
Checking type 160 or 180 Open => 24 months or
Aggregate share balances >$20000 (share types 0060, 0070, 0195, 7000-9999) or
Open loan types 45, 55, 205, 215, 216, 305, 315, 350, 480, 481, 550, 560, 570 with due date no greater than 60
days past Or
Open Tracking Record Type 30 with balance >$2500 or last payment date not greater than 45 days past
SET User Number 05 Eligibility Flag to Yes
SET User Amount 01 Per item Flag to $7000
SET User Amount 02 Daily Aggregate Limit to $7000
SET User Amount 03 Daily Credit Limit to $200
SET User Amount 07 Monthly Aggregate of Deposits to $15000