How to Deposit Check With Mobile Phone – A Comprehensive Guide

Millions of United States residents use mobile banking on a regular basis. But how do they deposit checks using their smartphones? Well, the process is quite simple. This article shows you how to make check deposits with your mobile phone so you no longer have to queue at the bank.

Here are the steps to follow to deposit checks using a smartphone:

Step 1: Download and Install Your Bank’s Mobile Banking App

If you do not have your bank’s app on your mobile phone, you will need to download it before depositing any check. Most of the bank apps can be found on Google’s Play Store or Apple’s App Store. After installation, enter the required details to start your mobile banking journey.

Step 2: Endorse the check

The first step to depositing a check involves Signing your name with a blue or black-inked pen in the endorsement section. Remember to write “For mobile deposit only” if the check does not have a preprinted box showing a mobile deposit.

Step 3: Open Your Bank App and Go to the Mobile Deposit Section

After completing the check endorsement, log in to your mobile banking app and then select the function for making check deposits.

Step 4: Choosing the Bank Account Where You Wish to Deposit the Check

On the banking app, you will be asked to select the account that will be receiving the deposit; it could be your savings or checking account.

Step 5: Enter the Amount Stated on the Check

After choosing the receiving account, enter the check amount. While doing so, do not round up the figure. For example, if the amount stated on the physical check is $400.65, avoid rounding it to $401.

Step 6: Take Pictures of the Check Using Your Smartphone

To ensure you make a successful check deposit, capture images of your check in a properly-lit area. Moreover, make sure that all the corners you check are visible. Your bank app will require you to take pictures of both sides of the check.

Step 7: Review the Details of the Check Deposit Before Submitting

It is important to confirm the accuracy of the check details before you submit. Once you are sure that all the information provided is accurate, you can go ahead and submit the check. Your bank will confirm the check deposit within a few minutes or hours.

Tips for Making Check Deposits Using a Smartphone

Understand Your Bank’s Check Deposit Limits – Many banks put monthly, weekly, or daily limits on the amount of money each customer can deposit using their smartphones. In case you exceed these limits, you will need to visit your bank to make a check deposit.

Learn When Your Funds Will be Available – After depositing a check, it usually takes about two business days for your money to be available. But in some cases, your funds may take longer to be made available for various reasons.

Retain Your Physical Check Until it is Processed – It is essential to keep your physical check safe until it is cleared by the bank and your funds show in your account.

Shred Your Check After the Bank Clears it – Destroy your check immediately after the funds arrive in your account.

Is Depositing Checks Using Banking Apps Secure?

Depositing check using your smartphone is safe. That’s because most banks encrypt the data you share on the banking apps using sophisticated encryption methods.

What Banks in the US Support Mobile Check Deposits?

Several American banks allow customers to deposit checks via mobile apps. Some include Citibank, US Bank, Wells Fargo, and Chase Bank.

Can You Deposit Someone Else’s Check Using Your Mobile App Account?

Some American banks allow the deposit of third-party checks, while others, like US Bank and the Bank of America, do not.

Final Thoughts

Mobile banking apps now offer much-needed convenience. Today, you no longer have to deposit checks physically at your bank. You can do that from the comfort of your home. Just make sure you follow the right steps, as discussed above.