Deposit Anywhere™


Deposit Anywhere is your new time-saving mobile app feature that allows you to remotely deposit a cheque using your mobile device, anytime of the day or night, without visiting a branch. It is available to all members that have Member Direct Online banking and have downloaded the mobile app on either an Apple or an Android phone or tablet.

The process to deposit your cheque is simple, and usually takes less than a minute or two.

How Does Deposit Anywhere™ Work?

  1. Open your KCCU mobile banking app and log in
  2. Tap the “Deposit” button
  3. Select the account you would like the funds deposited into
  4. Enter the amount of the cheque
  5. Take a photo of the front and back of the cheque
  6. Confirm the details and tap “Submit”


The funds are then deposited securely into your account.


Protect Yourself from fraud with Direct Alerts

Deposit Anywhere allows you to take a picture of your cheque and have it automatically deposited into your Kingston Community Credit Union account. There is no need to bring the cheque into the branch, unless requested to do so.

 Please mark the cheque as “DEPOSITED” and file it away for now.

It is recommended that you hold onto the cheque for 90 days. After the 90 days, and once confirmed that the cheque has been deposited into your account, the cheque can be destroyed. This is in case there are any issues with the deposit that need to be checked.

 In the rare circumstance that there is an issue with the deposit after you receive your confirmation, you will be contacted by us and may need to bring in the cheque.

No. Once you have submitted the cheque using Deposit Anywhere, you do not need to send them to the branch.

 The cheque will automatically be deposited into your account but there may be holds in place.

Holds are in place on any cheque deposited through the mobile app for 3 business days. Please call your branch if you have any questions on this.

 No, this is part of the services we offer with our mobile app.

There are methods for KCCU to determine if a cheque has been deposited more than once. The second cheque deposit will be reversed from your account. If you suspect that you may have deposited the same cheque twice, please contact your branch right away to resolve the issue.

You may deposit your cheque into a chequing or savings account that you already have set up on your account. You may not deposit the cheque into any registered products (TFSA, RRSP, RRIF), lending products (loans, lines of credit or mortgages) or your Dividend Savings or Equity account.

Yes, you can only deposit cheques that are in Canadian funds and drawn on a Canadian financial institution. They must be payable to, and endorsed by, the account holder. This includes cheques, money orders, bank drafts, convenience cheques and certified cheques.

No, only Canadian cheques (in Canadian funds) may be deposited using Deposit Anywhere. Any other cheque will have to be brought into the branch.

The software matches the number amount on the cheque with the amount you entered when depositing. If it reads that they do not match, it will give you that message and allow you to correct the amount. If the amount is correct,

then the software may be having a hard time reading the amount on the cheque. If this is the case, you will have to bring it in to a branch to be deposited. Sorry.

Yes. As a feature of our mobile banking app, Deposit Anywhere meets the same high standards as our mobile and online banking services.

® FAT CAT, HEADSTART, MEMBERDIRECT and MEMBERDIRECT Design are registered trade-marks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.

A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Canadian Passport
  • Permanent resident card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • Driver’s licenses issued by province or territory
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Provincial Service Cards
  • Provincial or territorial identity cards (i.e. Ontario Photo Identification Card)
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)