How to Deposit a Check

Best Practices

Some ATMs have limits on the number and amount of checks you can deposit. And if at any point you forget the steps, don’t worry – ATMs will give you directions as you go through the process.

Mobile check deposit through your bank’s app

Mobile check deposit allows you to deposit checks directly into your bank account using your smartphone or tablet. This feature can be convenient but doesn’t necessarily save time if the check isn’t properly aligned or the lighting is poor.

Step 1: Prepare Your Check

As with any method, you’ll need to endorse the check first. However, if you’re depositing your check through an app, you may also write "For Mobile Deposit Only” near your signature in the endorsement section (different banks may indicate whether to write it above or below your signature.)

Step 2: Open Your Bank's Mobile App

First, use your credentials to access your account. Then, use your app’s menu to find where mobile deposits are located. Each bank’s app is different, but once you find the area you need, the prompts are generally crafted to be user-friendly.

Next, you’ll need to take pictures of both sides of the check as the app will have designated sections for capturing each image. You also will likely need to enter the deposit amount and select which account you would like to deposit the check into.

Step 3: Submit

Look over all your information one more time, ensuring that the photos are clear and the money will be deposited into your preferred account. Then, submit the deposit.

Best Practices:

Just like with an ATM, your bank may have limits on the number and amount of checks you can deposit per day or month. If you’re submitting large quantities of money, you might want to research potential check limits.

How long will it take for the check to clear?

Funds from different types of checks can become available in varying increments of time. If you deposit a check via your bank’s mobile app or an ATM, federal law states that checks over $255 must be cleared by financial institutions by the next business day, and those funds usually become available the following day. Some banks will clear a portion of the funds the same day and then the rest of the funds the following business day. If you deposit a check in person, however, or you’re depositing a certified check, you may receive all of your funds in the same day or by the next day. However, you should research your bank’s specific check clearing policies, as each bank has its’ own protocol.