Praise then darkness, and creation unfinished

I'm putting this here mostly to help myself remember. I just got an email from my credit union:.

a recent change in federal regulations affects the way you make your online and mobile deposits. Now, when you endorse your check (sign the back of the check you are depositing), you're also required to indicate in writing that you're depositing the check online or from a mobile phone (remotely).

This change applies to all financial institutions that accept online and mobile deposits. ...


Proper endorsement format for Mobile Deposit:
John Doe (your signature)
For BECU Mobile Deposit only

Proper endorsement format for Online Deposit:
John Doe (your signature)
For BECU Online Deposit only

What this Means to You
If you don't properly endorse the back of the check you're depositing, the check may be denied. Additionally, if your check is missing the proper endorsement, and it's deposited more than once, your account will be debited for the amount of the check. Further, you'll be liable for any resulting negative balance in your account, including NSF fees, regardless of circumstances surrounding the deposit(s).

I have been writing "For Deposit" above my signature; when I was putting the checks into an ATM, it was "For Deposit Only [newline] signature [newline] account number" but BECU accepts the mobile deposits even if I don't put the account number on the check.

My banking options are, in no particular order, to do things electronically; find a partner credit union that will let me make deposits through their ATM; or move at least some of my money to a credit union or bank that has branches here. It took me long enough to find a credit union that I was eligible for that I jumped at the opportunity when we moved to Washington, where there are far fewer restrictions on membership—BECU was open to any resident of Washington or Alaska, so I joined as soon as I had proof of residency,