Remote Deposit Capture Consumer Disclosure

  1. Eligible items.

You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). You agree that the image of the check transmitted to Ravalli County FCU shall be deemed an “item” within the meaning of Article 4 of the Uniform Commercial Code. You agree that you will not use Remote Deposit Capture (RDC) to scan and deposit any checks or other items as shown below:

  1. Checks or items payable to any person or entity other than you.
  2. Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder.
  3. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
  4. Checks or items previously converted to a substitute check, as defined in Reg CC.
  5. Checks or items drawn on a financial institution located outside the United States.
  6. Checks or items that are remotely created checks, as defined in Reg CC.
  7. Checks or items not payable in United States currency.
  8. Checks or items dated more than 6 months prior to the date of deposit.
  9. Checks or items prohibited by Ravalli County FCU’s current procedures relating to the RDC or which are otherwise not acceptable under the terms of your credit union account.
  10. Image Quality.

The image of an item transmitted to Ravalli County FCU using RDC must be legible. The image quality of the items must comply with the requirements established from time to time by ANSI, the Board of Governors of the Federal Reserve Board, NCUA or any other regulatory agency, clearing house or association.

  1. Endorsements and Procedures.

You agree to restrictively endorse any item transmitted through RDC as “For Mobile Deposit Only at Ravalli County FCU” on the back of the check and “Deposit” followed by the current date on the front of the check or as otherwise instructed by Ravalli County FCU. You agree to follow all other procedures and instructions for use of RDC as Ravalli County FCU may establish from time to time.

  1. Receipt of Items.

We reserve the right to reject any item transmitted through RDC, at our discretion. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from Ravalli County FCU that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete.

  1. Availability of Funds.

You agree that items transmitted using RDC are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. Ravalli County FCU will hold the funds for up to seven business days from the date of deposit. In some instances, funds may be available sooner than seven business days based on such factors as credit worthiness, the length and extent of your relationship with Ravalli County FCU and its affiliates, transaction and experience history, and such other factors as Ravalli County FCU, in its sole discretion, deems relevant. Generally, if the funds from your deposit will be available later than the time shown above, Ravalli County FCU will mail or deliver the notice as soon as practicable, but no later than the first business day following the day the facts become known to the depositary Credit Union, or the deposit is made, whichever is later.

  1. Disposal of Transmitted Items.

Upon your receipt of a confirmation from Ravalli County FCU that we have received the image of an item, you agree to prominently mark the item as “Electronically Presented” or “VOID” and to properly dispose of the item after 14 business days to ensure that it is not represented for payment. And, you agree never to represent the item. You will promptly provide any retained item, or a sufficient copy of the front and back of the item, to Ravalli County FCU as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item, or for Ravalli County FCU’s audit purposes.

  1. Deposit Limits.

We reserve the right to impose limits on the amount(s) and/or number of deposits that you transmit using RDC and to modify such limits from time to time.

  1. Hardware and Software.

To use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by Ravalli County FCU from time to time. See your www.ravallicountyfcu.org for current hardware and software specifications Ravalli County FCU is not responsible for any third-party software you may need to use RDC. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter directly with the third-party software provider at time of download and installation.

  1. Errors.

You agree to notify Ravalli County FCU of any suspected errors regarding items deposited through RDC right away, and in no event later than 60 days after the applicable Ravalli County FCU account statement is sent. Unless you notify your Ravalli County FCU within 60 days, such statement regarding all deposits made through RDC shall be deemed correct, and you are prohibited from bringing a claim against Ravalli County FCU for such alleged error.

  1. Presentment.

The manner-in-which the items are cleared, presented for payment, and collected shall be in Ravalli County FCU’s sole discretion subject to the Depository Agreement and Disclosures governing your account.

  1. Termination

You understand and agree that any abuse or fraudulent activity conducted through RDC may result in RDC privileges being revoked.

Privacy Policy

Ravalli County Federal Credit Union (RCFCU) is owned by its members. Our operation is run by the President/CEO under the supervision of a board of directors that you, the members, elect.  Your financial privacy is a top priority of this credit union and we want you to be confident in our efforts to protect your privacy. We are required by law to give you this privacy notice to explain how we collect, use, and protect your personal financial information. If you have any question, please contact us at (406) 363-4631 and speak to any member of our staff.

WHY: Financial companies choose how they share your personal information.
Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand Ravalli County Federal Credit Union’s Privacy Policy.
At Ravalli County FCU, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Ravalli County FCU. This notice explains what types of member information we collect and under what circumstances we may share it.
WHAT: The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:
  • Name, address, Social Security number and income
  • Account balances and transaction history
  • Credit history and credit scores
When you are no longer our member, we continue to share your information as described in this notice.
HOW: All financial institutions need to share members’ personal information to run
their everyday business. In the section below, we list the reasons financial companies
can share their members’ personal information; the reasons  Ravalli County Federal
Credit Union chooses to share; and whether you can limit this sharing.
 Reasons we can share your information
Does Ravalli County Federal Credit Union Share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes –
to offer our products and services to you
For joint marketing with other
Financial companies
For our affiliates’ everyday business purposes –information about your transactions and experiences
For our affiliates’ everyday business
purposes –
information about your creditworthiness
For non-affiliates to market to you


 Call 406-363-4631, send us an email at information@ravallicountyfcu.org or write us at: Ravalli County Federal Credit Union, PO Box 598, Hamilton, MT 59840
Who we are: Who is providing this notice? Ravalli County Federal Credit Union, PO Box 598, Hamilton MT 59840
How does Ravalli County Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
·         We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.
How does Ravalli County Federal Credit Union collect my personal information? We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Apply for any credit union service
  • You visit our web site, provide us information on any online application or transaction, or information you send to us by email
  • Use your credit or debit card or pay your bills
  • Make deposits to or withdrawals from your accounts
We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing? Federal law only gives you the right to limit information sharing as follows:
  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
However, we do not have any affiliates with whom we share any information.


Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.
  • Ravalli County FCU has no affiliates
Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Ravalli County FCU does not share with non-affiliates so they can market to you except for our joint marketing arrangements
Joint marketing: A formal agreement between Ravalli County FCU and a non-affiliated financial company where we jointly market financial products and services to you.
  • Our joint marketing partners include financial services companies and insurance companies

Other important information: 

Protecting Children’s Private Information.  Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with the parents.

Fixed Rate Disclosure

Ravalli County Federal Credit Union
PO BOX 598
HAMILTON, MT 59840-0598
                                                                        FIXED RATE DISCLOSURE

Please click HERE to view an updated copy of our Fixed Rate Disclosure.

                      CUNA MUTUAL INSURANCE SOCIETY, 1992, 1999 ALL RIGHTS RESERVED                                                             EED002 303087 0410112011


Variable Rate Disclosure

PO BOX 598
HAMILTON, MT  59840·0598




 Please click HERE for an updated copy of our Variable Rate Disclosure.
                                                          CCUNA MUTUAL GROUP, 1992, 1999 AllRIGHTS RESERVED                              SPECIAL EE0003 303088 03/14/2013