SACRAMENTO, Calif. (10/28/09)--Two credit unions in Sacramento, Calif., are on the leading edge in the field of check/share draft deposits, according to a local newspaper. Earlier this month, Sacramento-based Schools Financial CU announced its new service allowing members to scan checks at home and deposit them into their account via the Internet. The service requires the member to have a digital scanner and a computer with an Internet connection. Another credit union, Golden 1 CU, introduced scanner-based check deposits in July (The Sacramento Bee Oct. 26). Its Z@piT online deposit service has about 200 members enrolled. The service appeals to people who prefer self-service--such as parents with small children or those who don't want to visit an ATM at 3 a.m., Golden One CEO Teresa Halleck told the newspaper. Schools Financial CU included safeguards in its program to prevent abuse of the check depositing system. Members must use their secure online banking log-in, and they are limited to two transmissions a day. Users have a time limit in which to scan and deposit the check online, and checks must meet specific requirements before being "deposited." Post-dated, damaged or lightly printed checks that don't scan properly can't be deposited, the credit union told the newspaper. Its service, which is being rolled out gradually, will be available to all members who bank online by mid-November. The article also noted that a savings bank in the area is allowing its customers to deposit checks with their iPhones by taking photos of both sides of the check with the phone's camera. More than 100,000 checks totaling $61 million have been deposited via iPhone since August.