Eligible Items for Deposit. You agree to capture check images and deposit only checks as the term is defined in Federal Reserve Regulation CC ("Reg CC"). You agree that the image of the check transmitted to the Bank (each such check image a "Check" and, if more than one, "Checks") shall be deemed an "item" within the meaning of the Uniform Commercial Code. Only Checks may be deposited using Mobile Deposit; however, there are some items that you cannot deposit. These include: -Checks payable to any person or entity other than you even if endorsed over to you. -Checks endorsed by you and a non-joint account owner. -Checks payable to a business. -Checks stamped with a “non-negotiable” watermark. -Checks that are issued to multiple parties other than joint account holders. -Checks containing any alteration of which you know or suspect to be fraudulent or not authorized by the owner of the account on which the check is drawn. -Any Checks that are not in original form with a signature, such as substitute checks or remotely created checks. -Checks that are stale dated, dated more than six (6) months prior to the date of deposit. -Checks that are postdated (display a future date). -Checks written off an account at a financial institution located outside the United States. -Checks not payable in United States currency. -Checks that are otherwise not acceptable under the terms of your Bank account. -United States Savings Bonds.
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