Can You Deposit a Scanned Check Online?

Understanding Remote Check Deposit

Remote deposit capture, often called mobile check deposit, allows customers to deposit checks electronically by transmitting images of the original paper check rather than physically presenting it at a branch or ATM. This technology fundamentally transforms the traditional check handling process into a digital format, enabling deposits from virtually any location with an internet connection.

Remote deposit capture uses image capture technology, typically a smartphone camera. Once check images are captured, they are securely transmitted to the bank for processing. This digital transmission relies on encryption and secure server connections to safeguard financial information.

The Check 21 Act enabled banks to accept check images as legal equivalents of original paper checks. Most financial institutions now offer this service through their mobile banking applications, expediting the clearing and settlement process.

Preparing Your Check for Digital Deposit

Before initiating a digital check deposit, proper endorsement is necessary. Sign your name in the designated endorsement area on the back of the check. Directly below your signature, include a restrictive endorsement such as “For Mobile Deposit Only” or “For Deposit Only to [Account Number].”

The physical condition of the check is also important for successful image capture. Ensure the check is flat, free of any folds, tears, or creases that could obstruct legibility. All written information, including the payee’s name, the numerical and written amounts, the date, and the drawer’s signature, must be clear and easily readable.

Optimal lighting and background conditions are crucial for capturing high-quality images. Place the check on a plain, dark, and contrasting surface that is well-lit to minimize shadows or glare. This helps the mobile banking application’s image recognition software accurately read the check’s details. Confirm that your mobile device’s camera lens is clean and that your banking application is updated to its latest version.

The Digital Deposit Process

Once your check is properly prepared, the digital deposit process occurs within your financial institution’s mobile banking application. Begin by opening the app and navigating to the mobile deposit feature.

The application will then guide you through capturing images of the check. You will typically be prompted to take a picture of the front of the endorsed check, followed by the back. For best results, hold your device steady directly above the check, ensuring all four corners are within the designated frame on your screen.

After the images are captured, the app often uses optical character recognition (OCR) technology to automatically read the check’s details, such as the amount. You will then be prompted to review and verify this information, making any necessary corrections to the amount if the automated reading is inaccurate. The next step involves selecting the specific account where you wish the funds to be deposited.

Finally, after confirming all the details, you will submit the deposit. The application typically provides an immediate on-screen confirmation message indicating that your deposit has been received.

Post-Deposit Actions and Considerations

After submitting a digital check deposit, understand the subsequent actions and considerations. Funds availability can vary, but generally, a portion of the deposit may be available on the next business day. The remaining balance typically becomes available within one to two business days, although cutoff times for daily deposits apply.

Retain the physical check for a specified period after a successful digital deposit. This retention period often ranges from 5 to 30 days, or until you have confirmed the funds have fully cleared and posted to your account. After this period, and once you are certain the deposit is complete, securely destroy the check or mark it “VOID” to prevent accidental re-deposit.

Monitor your account statement to confirm that the deposit has been accurately processed and credited. Submitted deposits might be rejected by the bank’s system. Common reasons for rejection include image quality issues detected post-submission, such as blurriness or unreadability, or a duplicate deposit attempt.