By Financial institutions provide mobile check deposit, letting you deposit paper checks on your phone. You can deposit checks on your phone or tablet in minutes without having to locate a branch or ATM. Your cash will normally be accessible within one business day, however some banking institutions may charge a premium for rapid access.
You may make a mobile check deposit without problems or delays by following a few steps.
Device-based mobile deposit instructions:
Know your bank’s mobile check deposit rules
Check whether your bank offers mobile check deposit (or “remote deposit capture”). If you qualify for mobile banking, most banks allow you deposit checks remotely, but one financial technology business has conditions.
Mainly personal, company, and government checks are accepted for mobile deposit. Your bank may not accept money orders or overseas checks for mobile deposit. Most financial organizations also demand checks to be within six months. This check should also be written to you, the depositor.
Verify the check amount fits mobile deposit limitations.
Many banks limit remote deposits for security. Check your bank’s daily and monthly mobile deposit restrictions and make sure your check amount fits. If not, you may need to deposit it at an ATM, bank or credit union branch, or by mail.
Approve check
Sign the back of the check after verifying that you can utilize mobile deposit and that your check meets the restrictions. If the check is made out to you and someone else, you may need their signature to endorse it.
Check your bank’s app or website for more instructions. Write “for remote deposit only” or put your account number beneath your signature.
Access mobile deposit in your bank app.
Check your banking app for mobile deposit. You may need to manually input or choose the account you wish to deposit to (if you have numerous bank accounts) and the check amount.
Take clear photos of the check on your phone.
Place your check on a level, well-lit surface. Mobile deposit in the banking app requires camera access. After authorization, place your phone or tablet over the check. A rectangle on the screen will help orient the check. Display the whole check. Keep your hands still and the check in the viewfinder. Use the screen button to snap a photo. Take a picture of the check’s front and back. The photo should show account and routing numbers.
Some bank applications take pictures without requesting, which may be beneficial but potentially problematic. Make sure your check and phone are set up before accessing the bank app if auto-capture is failing.
If check pictures are unclear, try these:
- Before snapping the image, move the camera a few inches above the check and leave room on all sides in the viewfinder.
- Wipe your camera lens with a soft cloth.
- Update your app.
- Uninstall the app, restart your phone, then reinstall it.
Verify check information and deposit.
Review the check details on the app to ensure the check is going to the appropriate account and that all other information, including the deposit amount, is accurate. When ready, tap through to finish mobile deposit.
Hold the check until processed.
A mobile app or email from your bank may alert you of check acceptance. If this occurs, write “void” or “deposited by mobile” on the face of the check and save it until the deposit appears in your account.
Mobile checks might take a day to a week to process, depending on the bank and when you deposited. For a check to be counted that day, it must be received by 5 or 11 p.m. If the check is huge, it may take longer to clear. If the money hasn’t arrived after a week or two, take the paper check to a bank location to prove the deposit.
How to Deposit a Mobile Check: A Step-by-Step Guide
- Find the Deposit Feature: Open the app and look for the check deposit option.
- Check Endorsement: Guidelines for correctly endorsing a check for a mobile deposit.
- Obtaining Verification Pictures: instructions for taking crisp pictures of the check’s front and back.
- Inputting Check Information: Inputting the total and any relevant information.
- Accepting and Sending in the Deposit: The last stages of reviewing and sending in the deposit.
- Confirmation and Follow-Up: Recognizing how to proceed with the actual check after depositing and knowing the confirmation procedure.
FAQ
- How secure is mobile check deposit? Talk about the security precautions used for check deposits and mobile banking.
- What’s the time frame for the clearing of a mobile check deposit? Give generic timelines and the variables that affect processing times.
- Is there a maximum amount I can deposit? details on the normal deposit limits that banks establish.