Ally eCheck Deposit Help Center

Overview

With Ally eCheck Deposit, scan a check and make a deposit to your Ally bank account using a computer and a
TWAIN compliant scanner.

Getting stuck in one area? Get immediate help by choosing a link below.

Before you begin

Your check

Your check should look like this:

How the front and back of your check should look

Please make sure the check:

Your computer and scanner

To use eCheck Deposit, you need:

  • A broadband Internet connection
  • Windows 7, Windows Vista, Windows XP or Mac OS X
  • Internet Explorer 7, 8 or 9 (with security set to medium), Mozilla Firefox 2.0 and up, Safari 3.1 and up or Google Chrome
  • Your browser set to accept cookies from third parties
  • A TWAIN compliant scanner
  • Your scanner driver installed according to the manufacturer's instructions

Are you using a Mac?
Please select Mac settings on the left to see Mac system requirements.

Frequently asked questions

Can I fund a CD using eCheck Deposit?
Yes, you may use eCheck Deposit to fund a new CD. If you have multiple checks, you must submit all of them by 4 pm ET on the same business day and we'll apply the total amount to your new CD
Which Ally accounts can I use with eCheck Deposit?
You can make deposits into your:
  • Ally Online Savings Account
  • Ally Interest Checking Account
  • Ally Money market Account
  • Ally CD, if you haven't funded it yet
How much money can I deposit with eCheck Deposit?
You may deposit up to $10,000 per day and $25,000 every 30 days using eCheck Deposit.
How can I find out what operating system I'm using?
  • If you're using a PC, choose the Start button on the lower left corner of your screen. Right-click My Computer or Computer and select Properties. Your operating system type appears there.
  • If you're using a Mac, choose the Apple menu and About This Mac. The operating system version will appear there.
How can I find out what browser I'm using?
Open your usual browser and choose the Help menu at the top of the window. Your browser name will appear as a menu choice: for example, About Internet Explorer or About Mozilla Firefox. Select this menu choice and the version number will appear in the window that pops up.
Can I deposit items such as traveler's checks and money orders using eCheck Deposit?
Some items can't be deposited using eCheck Deposit, as stated in Ally's Deposit Agreement:
  • Checks payable to any person or entity other than you
  • Checks containing alterations to any of the fields on the front of the check
  • Fraudulent checks, or checks that you should have known were fraudulent
  • Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer
  • Checks from financial institutions located outside of the U.S.
  • Checks that are not payable in U.S. dollars
  • Checks that are more than 6 months old
  • Substitute checks (as defined in the Federal Reserve's Regulation CC, 12 C.F.R. Part 229)
  • Remotely created checks, as defined in Regulation CC (checks that, among other things, do not bear the signature of the person on whose account the check is drawn)
  • Travelers checks, savings bonds, money orders or postal money orders
  • Non-negotiable instruments, such as promissory notes
  • Checks drawn on any of your Ally account(s)

Scanning and submitting your deposit

Ally eCheck Deposit provides 2 ways to scan and upload a check.

  • Use our automated scanning wizard, OR
  • Scan and upload the front and back of your check manually, using your scanner's software.

We also offer Mobile eCheck Deposit. Use your mobile device and the Ally Mobile Banking App to take a picture of your check and submit your deposit.

Get Started

  1. On the Get started page, confirm that the check is payable to you and is endorsed properly.
  2. Please use this format when you enter the check amount: X,XXX.XX.
  3. Select continue.

Scanning options

Use the automated scanning wizard   See step by step

This choice is best if you're using the operating systems and browsers listed below.

Operating systems

  • Windows 7
  • Windows Vista
  • Windows XP

Browsers

  • Internet Explorer 7, 8 or 9
  • Mozilla Firefox 4.0 and higher

Your computer may ask your permission to run the wizard application when you start it. You'll only have to do this the first time you run the wizard.

The image you see may be different based on your operating system.

You'll also need to upgrade Java if you are using version 1.5 or below.

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Set up your scanner (you'll only do this the first time you use eCheck Deposit)

  1. Select Use our wizard to walk you through the scanning process
  2. Select your TWAIN scanner driver from the dropdown menu
  3. Select continue
  4. Choose the scanner that looks most like yours from the options shown
  5. Select yes if everything looks right

Scanning the front of your check

  1. Place the check on the scanner. Use the illustration to determine where to place the check and whether it should be face-up or face-down. Select scan front of check. Hint: Draw a dot (about the size of a pencil eraser) in each corner of the front and back of the check before scanning. This will help the scanner judge the size of the check.
  2. Verify that the image displays correctly. Use our online tools (crop, flip, undo) to make adjustments.

Adjusting and cropping the front

  1. Make sure the check number is in the upper right corner of the image.
  2. Use the crop, flip or undo tools to adjust the image until the entire check is visible with about 1/3 inch of extra space around it.
    • Crop – Allows you to remove extra space around the check.
      • Choose crop and click on the top left corner of the check. Then click on the bottom right corner. A red rectangle will appear around the selected area. Choose crop again to finish.
    • Flip – Rotates the check 180 degrees.
    • Undo – Allows you to correct any mistakes you make while cropping or by incorrect auto-cropping. It can also display more of the check image if the image was over-cropped.
  3. If everything looks OK, verify that the check number is visible and the green box frames the check image, and select continue.

Scanning the back of your check

  1. Place the check on the scanner. Use the illustration to determine where to place the check and whether it should be face-up or face-down. Select scan back of check.
  2. Verify that the image displays correctly. Use our online tools (crop, flip, undo) to make adjustments.

Adjusting and cropping the back

  1. Make sure the endorsement is at the right.
  2. Use the crop, flip or undo tools to adjust the image until the entire check is visible with about 1/3 inch of extra space around it.
    • Crop – Allows you to remove extra space around the check.
      • Choose crop and click on the top left corner of the check. Then click on the bottom right corner. A red rectangle will appear around the selected area. Choose crop again to finish.
    • Flip – Rotates the check 180 degrees.
    • Undo – Allows you to correct any mistakes you make while cropping or by incorrect auto-cropping. It can also display more of the check image if the image was over-cropped.
  3. If everything looks OK, verify the endorsement is at the right side of the image and the entire check is visible, and select continue.
Manually upload images   See step by step

This choice is best if you have one of the following:

  • Google Chrome on a Mac
  • Safari on a PC
  • You already scanned and saved your check images
  • You chose not to upgrade Java on your computer
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Set up your scanner

  1. Turn on your scanner and find your scanner settings.
    • Every scanner is different, but these settings are usually found in your scanner software's advanced settings. If you can’t find them, refer to your scanner’s instructions.
  2. Set the DPI between 100 and 300. You may choose grayscale or color, and select JPEG or GIF format.

Scanning and uploading the front

  1. Scan the front of your check following your scanner software's instructions.
    • Hint: Draw a dot (about the size of a pencil eraser) in each corner of the front and back of the check before scanning. This will help the scanner judge the size of the check.
  2. Save the image without cropping it. The file size should not exceed 1 MB. If it exceeds 1 MB, see Troubleshooting FAQs below.
  3. Browse to find the image of the front of your check and select upload check front.
  4. Verify that the image displays correctly. Use our online tools (crop, flip, undo) to make adjustments.

Adjusting and cropping the front

  1. Make sure the check number is in the upper right corner of the image.
  2. Use the crop, flip or undo tools to adjust the image until the entire check is visible.
    • Crop – Allows you to remove extra space around the check.
      • Choose crop and click on the top left corner of the check. Then click on the bottom right corner. A red rectangle will appear around the selected area. Choose crop again to finish.
    • Flip – Rotates the check 180 degrees.
    • Undo – Allows you to correct any mistakes you make while cropping or by incorrect auto-cropping. It can also display more of the check image if the image was over-cropped.

Scanning and uploading the back

  1. Scan the back of your check.
  2. Save the image without cropping it. The file size should not exceed 1 MB. If it exceeds 1MB, see Troubleshooting FAQs below.
  3. Browse to find the image of the back of your check and select upload check back.
  4. Verify that the image is displayed correctly. Use our online tools (crop, flip, undo) to make adjustments.

Adjusting and cropping the back

  1. Make sure the endorsement is at the right.
  2. Use the crop, flip or undo tools to adjust the image until the entire check is visible.
    • Crop – Allows you to remove extra space around the check.
      • Choose crop and click on the top left corner of the check. Then click on the bottom right corner. A red rectangle will appear around the selected area. Choose crop again to finish.
    • Flip – Rotates the check 180 degrees.
    • Undo – Allows you to correct any mistakes you make while cropping or by incorrect auto-cropping. It can also display more of the check image if the image was over-cropped.
  3. If everything looks OK, verify that the endorsement is at the right of the image and the entire check is visible, and select continue.

Confirm and submit deposit

After you have scanned your check, we may ask you to verify:

  • The date on your check
  • The amount of your check

Then, we'll remind you to:

  • Print the confirmation page for your records
  • Delete the scanned images from your computer
  • Keep your original check for 60 days, and then destroy it

Next, you can submit another deposit.


Troubleshooting FAQs

Automated scanning wizard

After I select an account and click Continue, a "swirl" displays and doesn't go to the next screen. What should I do?

If you're connected to a secure network, the network's firewall may be blocking Java, which eCheck Deposit needs to function properly. Please try accessing the application outside of the network's firewall.

Internet Explorer

If you're not connected to a secure network and the "swirl" displays:

  • If Internet Explorer is unable to reach the internet, this may be because your internet browser proxy settings are preventing it from doing so. Click on Tools and then select Options. A dialog box will display. Click on Network and click Settings. Another dialog box will display. Select "Use system proxy settings".
  • Please make sure you are running the most current version of Java. If not, instructions for upgrading are below.
  • Another possible issue may be that the plugin for Java has been turned off in Internet Explorer. A message may briefly flash in the lower right corner of the screen to indicate that there is an issue. To turn Java on, choose Tools > Manage Add-ons > Extensions. Find the Java SE Runtime environment update for the latest version of Java and select Enable.

Firefox

If you're not connected to a secure network and the "swirl" displays:

  • If Firefox is unable to reach the internet, the issue may be that the plugin for Java has been turned off in your browser. To turn Java on, choose Tools > Add-ons Manager > Extensions. If the Java Console Add-on has been disabled, select Enable.
  • Another possible issue may be that Java has been turned off in Firefox. Go to Tools > Options > Content to verify that Java is enabled.
  • If you're using Firefox with Windows, verify that Java is not using temporary files on your computer. This could result in your computer using older versions of Java. Click on Start > Control Panel > Java > General > Settings. Uncheck "Keep temporary files on my computer". Close your browser and clear cookies. Note: You must close all windows and tabs to start a new browser session.

Mac users

If you are using a Mac, you should also make sure your Java preferences are set to 32-bit. In Mac Finder > Applications > Utilities, double-click on Java Preferences. Under the General tab, select “Run Applets: In their own process” radio button. Set Java Preferences to 32-bit. Java CPU-Type 32-bit must be first in the list - if it isn't, move the 32-bit to the top. If you don’t see Java 1.6.0_24 bit or higher as an option, verify that your operating system is at least Mac OS X 10.6.

You should also verify that your browser has been set to 32-bit to run the Java applet. If you're using Chrome, you won't need to update your browser preferences (it always runs in 32-bit).

  • Firefox

    In Mac Finder > Applications, find the Firefox icon. Right-click on the Firefox icon and select “Get Info.” Check “Open in 32-bit mode” and run Firefox. You're now in 32-bit mode for the browser.

    If you have an older version of Firefox, you may not see “Open in 32-bit mode” as an option. If you only see “Open using Rosetta” as an option, upgrade your browser to the most current version.

  • Safari In Mac Finder > Applications, find the Safari icon. Right-click on the Safari icon and select “Get Info.” In the menu that pops up, click the “General” tab section. Check “Open in 32-bit mode” and run Firefox. You're now in 32-bit mode for the browser.

How do I upgrade Java on my computer?

If a Java message appears below the list of scanners, you'll need to upgrade Java on your computer. Our automated scanning wizard can only run on Java version 1.6.0_24 or higher. Go to Start > Control Panel > Java > Update > Update Now or java.com to upgrade to the latest version of Java. If you're unable or don't want to upgrade Java, select Upload your check images manually.

If you have multiple versions of Java on your computer, you may need to delete older versions. Go to Start > Control Panel > Add or Remove Programs and find Java. If there is more than one version in the list, delete the older version.

I scanned my check, but it's blank. Why?
If the check image is blank, it usually means that your scanner is a little different from the example scanner. Most scanners have an arrow showing the correct corner to place the check. Verify your check was positioned correctly in the scanner. Then, select back from the scan front or scan back page to rescan it.
Why is the check image so tiny?
If the check image is very tiny, it usually means that the scanning wizard's automatic cropping did not work well. Since it is hard to crop a tiny image, it's best to do it in 2 steps.
  1. Select crop to do a rough crop that may include a lot of white space around the check. This will make the image bigger and easier to work with.
  2. Now, minimize the white space around the check. Do not crop the check too closely to the edge. We recommend leaving about 1/3 inch of white space around the check.
Why can't I see the entire check in the scanned image?
If you can't see the entire check image it usually means that the scanning wizard's automatic cropping did not work well.
  1. Choose undo to uncrop your check. You may have to choose undo several times to see more of the image.
  2. Select crop to edit the image.

Manual upload

I got an error message saying the size of my image is larger than 1 MB. How can I make it smaller?
First, make sure the original image was saved as a GIF or JPEG file. If not, rescan your check and save your image again. If the check image exceeds 1 MB, make sure the scanned image is grayscale and manually crop the image to include the check and about 1/3 inch of white space around the check. Too much extra white space may make the image file too big to upload. Once you’ve cropped the check, save the image and try to upload it again.
I got an error message that says my check's account number or routing number isn't visible. How do I fix this?
If eCheck Deposit indicates that it can't find the account number or routing number even if you can clearly see it, choose undo to revert back to the original image. Your image may have been auto-cropped by the system, which may have cut off the account number. Try choosing undo multiple times to get to the original image. Then, choose crop and follow the instructions to re-crop the check.
I got an error message that says my check is too narrow or short. How do I fix this?
If eCheck Deposit indicates that the check is too narrow or short, choose undo to revert back to the original image. Your image may have been auto-cropped by the system, which may have cut off a portion of the check. Try choosing undo multiple times to get to the original image. Then, choose crop and follow the instructions to re-crop the check.
I got an error message that looks like this: "Scanner error: [object error] uploadURL: https//...UploadFileName : checkfront.jpg". What should I do?
If you get this error:
  1. First, check to make sure the cables between your computer and scanner are securely plugged in. It's also possible your scanner went into 'sleep' mode and is no longer active. Turn it off and back on, or restart your computer. This may help restore the connection between computer and scanner.
  2. If restarting your scanner and/or computer doesn't work, check the manufacturer's website to verify that your scanner driver is up to date and is certified for your current operating system. In addition, your firewall may be preventing the upload of the image. If you are trying eCheck Deposit from your office, please note that most business firewalls and VPN software will block the image upload. Try uploading the image at home.

After you scan and submit your deposit

After you've submitted your deposit, we'll let you know what will happen next.

If your deposit is accepted:

  • We'll send you an email within 1 business day to confirm your deposit. Once the deposit is posted to your account, you begin earning interest on those funds immediately.
  • Deposits made online before 4 pm ET will be processed the next business day
  • Deposits made online after 4 pm ET will be processed on the 2nd business day. You can check the status of your submitted depostis and view check images in eCheck Deposit History for 120 days
  • Please see our funds availability schedule in the eCheck Deposit section of the Ally Deposit Agreement for more details.

If your deposit was rejected:

  • We'll send you an email within 1 business day to explain why your deposit didn't go through. This email will contain instructions on how you can resubmit your deposit.

Frequently asked questions

My deposit was rejected. Can I mail it even though it has been endorsed?
Yes, Ally will accept the check by mail even with the eCheck Deposit endorsement. Please ensure that you have written “For deposit only” on the back of your check. Depending on the reason for rejection, You may be able to re-scan the check and submit it again as an Ally eCheck Deposit. The email we sent you explains why the deposit was rejected will help you figure out what to do next. Call us 24/7 at 1-877-247-ALLY (2559) if you have any questions.

If you prefer, you can deposit it by mail. Please send it to:

Ally Bank
P.O. Box 951
Horsham PA 19044, US
After I have submitted my check to Ally with eCheck Deposit, can I throw it away?
Keep the original check for 60 days. This gives the check-writer's bank plenty of time to complete the transaction on their end. Then, destroy it.
Several days have passed since I made an eCheck Deposit, and my check still hasn't shown up in my account.. What should I do?
Check your email. We will alert you if a deposit is rejected or accepted within 1 business day. Keep in mind that if you make your deposit after 4 pm ET on Friday, you will not receive notice until Monday night if your deposit was accepted or rejected. Call us 24/7 at 1-877-247-ALLY (2559) if you have any questions.

Mac settings

To use eCheck Deposit with a Mac, you'll need to make sure your system is set up correctly.

  • If you have Mac OS X 10.5 (Leopard) or lower, you'll need to Manually Upload Images
  • If you have Mac OS X 10.6 (Snow Leopard) or higher, you'll need to set Java and browser preferences to 32-bit (see instructions below)

Set your Java preferences to 32-bit

In Mac Finder > Applications > Utilities, double-click on Java Preferences. Under the General tab, select "Run Applets: In their own process" radio button.

Set Java Preferences to 32-bit. Java CPU-Type 32-bit must be first in the list – if it isn't, move the 32-bit to the top.

Note: If you don't see Java 1.6.0_24 bit or higher as an option, verify that your operating system is at least Mac OS X 10.6.

Set your browser preferences to 32-bit

You should also verify that your browser has been set to 32-bit to run the Java applet.

Note: If you're using Chrome, you won't need to update your browser preferences (it always runs in 32-bit).

Firefox

In Mac Finder > Applications, find the Firefox icon. Right-click on the Firefox icon and select “Get Info.” Check “Open in 32-bit mode” and run Firefox. You’re now in 32-bit mode for the browser.

Note: If you have an older version of Firefox, you may not see "Open in 32-bit mode" as an option. If you only see "Open using Rosetta" as an option, upgrade your browser to the most current version.

Safari

In Mac Finder > Applications, find the Safari icon. Right-click on the Safari icon and select "Get Info". In the menu that pops up, click the "General" tab section. Check "Open in 32-bit mode" and run Safari. You're now in 32-bit mode for the browser.

Frequently asked questions

Why doesn't my Hewlett-Packard scanner show up?
If you use Hewlett-Packard scanner with your Mac, you'll need to Manually Upload Images
A dialog box is asking me to install Rosetta before I can install the Twain Proxy. Should I install?
Yes, you'll need to install Rosetta to enable the application to see your scanner. This will also enable your browser to see the scanner. Once you've installed Rosetta, close your browser and clear your cookies.

Ally eCheck Deposit℠ History

Review eChecks deposit details from the past 120 days, see when your eCheck deposit was submitted, approved or rejected.

You can also see details such as:

  • Date it was submitted
  • Amount of the deposit
  • Reference number
  • Check image

Frequently asked questions

Where can I see a summary of my Ally eCheck Deposit℠ transactions?
Use Ally eCheck Deposit History to view the eCheck deposits you’ve made over the past 120 days.
  1. Log into online banking
  2. From left side of the page and select Accounts > Make a Deposit
  3. Select the 'Get Started' button to launch the eCheck deposit session
  4. From the eCheck welcome page, select View History
What's the difference between my account transaction history and my Ally eCheck Deposit℠ history?

Your regular account transaction history shows your regular banking activities, including debits, transfers, and deposits. Your regular account transaction history shows your regular banking activities, including debits, transfers, and deposits. Look for it under ‘View Accounts’, and select the account to see your transactions. Please note that it won’t show information about your eCheck deposits until they are approved and posted to your account.

eCheck Deposit History allows you to view the status of your eCheck deposits as soon as you confirm and submit them, even the ones that haven’t yet been posted to your account. You can also use it to review the eCheck deposits you’ve made over the past 120 days.

My Ally eCheck Deposit History says there was an adjustment. What do I do?
Don’t worry. No action is required on your part. We will only make adjustments if we find that the amount of the actual check and the amount entered online differ. We have to deposit what is written on the check. If you ever have questions about an eCheck adjustment, please call us at 1-877-247-ALLY (2559) to speak with a Customer Care Associate 24/7.
Where can I see an image of the check?

Use the Ally eCheck Deposit History to view an image of any eCheck deposit you submitted within the past 120 days.

  1. From the eCheck Welcome page, select View History
  2. Locate the deposit you wish to see and select details
  3. On the details page, select the thumbnail image of the check. A larger version of the image front and back appears for your review
The status of my Ally eCheck Deposit says rejected. What should I do?

You’ll receive an email after 12 pm or after 6pm ET on the day your eCheck deposit was rejected. It will include an explanation of why, along with details about what to do next.

If you have questions, please call us at 1-877-247-ALLY (2559) to speak with a Customer Care Associate 24/7.

The status of my eCheck deposit says approved, but I don't see it in my account. Why?

Even though the image was approved for deposit, it still has to go through the same posting process as a traditional paper check. It may take several hours from the time the deposit was approved to when it appears in your account. You will see the deposit on the next business day and receive an email notifying you that the deposit was successful.

Several days have passed since I made an eCheck Deposit, and my check still hasn't cleared. What should I do?

Use Ally eCheck Deposit History to view the eCheck deposits you’ve made over the past 120 days.

  1. Log into online banking
  2. From left side of the page and select Accounts > Make a Deposit
  3. Select the 'Get Started' button to launch the eCheck deposit session
  4. From the eCheck welcome page, select View History

You can also check your email. We will alert you if a deposit is rejected or accepted within 1 business day.

Call us 24/7 at 1-877-247-ALLY (2559) if you have questions.

Mobile eCheck Deposit®

Deposit checks on the go

Use your mobile device and the Ally Mobile Banking App to take a picture of your check and submit your deposit.

Review your eCheck history with Mobile Banking, and deposit up to $10,000 per day to maximum of $25,000 every 30 days.

Banking in the palm of your hand

Download the Ally Mobile Banking App using your mobile device.

Ally eCheck Deposit works with the following operating systems:

  • iPhone iOS 3S and higher
  • Android

Using Mobile eCheck Deposit

Here's how to use Mobile eCheck Deposit.

Access Ally Mobile Banking

Log in to the Ally Mobile Banking App and select Make Deposits.

Follow the instructions on your device.

Prepare your check

Review the front and back of your check, and make sure both sides are filled out correctly.

Take a picture of your Check

Follow the prompts on your mobile device to line up the image and take a photo.

For best results

  • Make sure you're in a well lit location
  • Place your check on a dark, non-reflective background

Enter the amount

Enter the amount of your check and submit your deposit.

Deposit up to $10,000 per day using Ally eCheck Deposit.

Recap: Using Mobile eCheck Deposit

Launch the Ally Mobile Banking App on your mobile device.

  • Select Make Deposits.
  • Choose your account
  • Take a picture of your check
  • Enter the deposit amount and submit

Mobile eCheck Deposit FAQ

Is Mobile Banking secure?

Yes. Just like in Online Banking, we use the same 128-bit encryption to help keep your information secure and private. Ally Mobile Banking doesn't store any personal or account information on your phone.

Plus, our Online & Mobile Security Guarantee covers fraudulent transactions.

What information is stored on my phone?

Ally doesn't store any personal or account information on your phone. Never email your personal information to anyone, and make sure you don't keep your username, password or account information in the notepad or address book of your phone.

Is taking a picture of my check for deposit safe?

Yes, we use the latest security features to securely transmit the image of your check from your mobile device to Ally. We also do not store any images on your device.

For more information about how we protect you and to read our Online & Mobile Security Guarantee, please visit the Ally Security Center.

Glossary

TWAIN
TWAIN helps scanners and computers work together without special software. Most scanners are TWAIN compliant. Check your scanner's instructions if you aren't sure yours is TWAIN compliant.
DPI
DPI stands for dots per inch. This is a way to measure the resolution of an image. The higher the number, the sharper the image. Set your scanner to 300 dpi for best results.
Crop
To digitally trim the edges of an image.
Scan
To create a digital version of a picture or document by taking a picture of it and saving it to your computer.
Grayscale
Grayscale images contain an array of gray tones spanning from white to black. Grayscale images help us process your check accurately, and file sizes of grayscale images are smaller than those for color images.
JPEG, GIF
A common type of digital image. Your scanner should allow you to save your check image in this format.
Payable to you
We cannot accept checks made payable to a person who isn’t listed on your account, including a minor child.
Endorsing the check
To endorse your check, sign your name on the back and write "For deposit only" under your signature. Make sure you write the account number for the account where you want the funds credited.
Java
Java is a programming language used to create applications for the internet, like eCheck Deposit. You can download the latest version and learn more about Java at java.com.