Mobile check deposit is a convenient feature many banks offer that allows users to deposit checks directly through a mobile banking app. Instead of visiting a branch or ATM, you can deposit checks into your bank account using your smartphone or device by simply capturing and submitting images of the check.
How does mobile check deposit work?
With mobile check deposit, you use your bank’s mobile app and your device’s camera to capture and transmit images of your check. The bank processes the photos and deposits the money into your account, just like they would with a traditional paper check.
Step-by-step guide to mobile check deposit
Depositing a check through your smart device can differ slightly by bank and app, but the steps typically include:
- Log into your bank's mobile app: Access your account using your credentials.
- Navigate to the deposit feature: Look for options like "Deposit Checks" or "Mobile Deposit."
- Select the account: Choose the account you want to deposit the check into.
- Enter the check ammount: Type in the exact amount written on the check.
- Capture images of the check:
- Front image: Lay the check flat on a well-lit surface and take a clear picture of the front.
- Back image: Endorse the back of the check with your signature and any required phrases like "For mobile deposit only," then take a clear picture.
- Review and submit: Verify the details and confirm your submission.
- Save the check: Hold onto your check until the funds are confirmed in your account, then dispose of it securely.
Tips for clear photos:
- Use a dark, non-reflective background to make the check stand out
- Avoid shadows
- Ensure there's sufficient lighting
- Hold the camera steady and align the check using the app's guidelines
Benefits of using mobile check deposit
Mobile check deposit is convenient – it lets you deposit checks at any time and from anywhere. It saves time by reducing trips to the bank and allows you to handle banking tasks when it works for you.
