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Remote Deposit Anywhere FAQs

1. What is RDA?

Remote Deposit Anywhere (RDA) is a service available within First Commonwealth’s HomeLink Mobile - Android, iPhone and iPad mobile banking apps. It allows you to deposit checks directly into your First Commonwealth account(s) by taking a picture of a check using your smartphone. 

2. Who is eligible for RDA?

First Commonwealth members, who are enrolled in mobile banking, maintain an eligible checking or savings account and have accepted the First Commonwealth HomeLink Mobile & RDA Agreement are eligible. Enrollment is not guaranteed as some restrictions may apply. Business Members: please contact your Relationship Manager for more details.

3. What mobile devices are supported?

RDA is currently available for the Android (Operating System version 4.1 or higher), iPhone (Operating System version 5 or higher) and iPad. The phone camera needs to be rear-facing and 4+ megapixel resolution with flash. Although some different devices will work for the mobile app, the camera specs may not be considered optimal for capturing images. To troubleshoot your device, please check the phone specifications online or with your wireless provider.

The entire check needs to be captured between the overlay boundaries on a flat, dark surface to ensure proper check imaging. ANDROID Devices - TIP: To capture best image - Tap to focus!


Apple App Store  Google Play

4. What are the advantages of using RDA?

You can securely deposit checks from anywhere, anytime - even if you are not near a FCFCU Financial Center or ATM. This  saves time and expense by reducing trips to the credit union to deposit checks. 

5. How much does it cost to use RDA?

There is no charge for members to use RDA. Business Members: please contact your Relationship Manager for more details.

6. Will I be charged by my mobile carrier for this service?

Your standard wireless carrier charges apply.

7. How long does it take to upload a deposit?

This will depend on the speed of your connection. Wi-Fi transmission submit times are usually in the 5-10 second  range. The 3G network transmission times range from 10-30 seconds. Weaker signal strength may result in slower response time.

8. Do I need to endorse the check I am depositing?

Yes, you are required to endorse the back of the check you are depositing as " For mobile deposit only” or as otherwise instructed by FCFCU.

9. How many checks per month can I deposit using RDA?

Members can deposit up to 5 checks per day with a maximum limit of 20 checks per month.
Business members should discuss limits with their Relationship Manager.

10. Is there a dollar limit on these checks?

Members can deposit up to $2,000 per day with a monthly maximum of $10,000.
Business members should discuss limits with their Relationship Manager. 
It is important to track your deposit limits - both count and dollar! If your current deposit puts you over the limit, you will receive a generic error on the mobile app: “Deposit Failed: Deposit limit has been exceeded.

Please contact your financial institution.” If this is in regards to a daily limit, you can use RDA the next day to deposit your check. If you have surpassed your monthly limit, the check will then need to be deposited at a First Commonwealth Financial Center.

11. What should I do with the check after it has been deposited into my account?

 After confirming the check has been deposited into your account, we recommend that you write on the front 
of  the check in ink these words: “Mobile Deposit on DATE” (where DATE is the full date you deposited the check by Mobile Deposit) then securely store the deposited check for a minimum of 30 days, then destroy it. Keep your check in a secure place until you destroy/shred it.

You should keep the check for 30 days after deposit to provide sufficient time should the original item be required for any reason.

12. What are the cut-off times for deposits made with RDA?

You can deposit checks at any time. Checks will have  an immediate release of $400. The remainder of the amount will be on hold for 2 business days.

To avoid overdrafts and/or fees, check your account online to verify that the funds have been made available.

13. Which accounts can I use to make deposits?

Members can deposit checks into their checking or main savings account.

14. Are there any kinds of checks I can’t deposit using RDA?

  •     Any third party check, i.e., any item that is made payable to another party and then endorsed to you by such party
  •     Any item that contains evidence of alteration to the information on the check
  •     Any item issued to you by a financial institution in a foreign country
  •     Checks payable jointly, unless deposited into an account in the name of all payees
  •     Checks not payable in US currency
  •     Stale dated checks – checks dated more than 6 months prior to the date of deposit
  •     Checks that are post-dated or expired
  •     Checks that have been previously been submitted through RDA services or through a remote deposit capture service offered at another financial institution
  •     Cash
  •     Savings Bonds

15. Who should I call if I have questions or need assistance?

Please call  the Contact Center at 610.821.2403 during normal business hours.