How to Scan a Check for Mobile Deposit

Mobile check deposit offers a convenient method for depositing funds without visiting a physical bank branch or ATM. Users submit checks directly from their smartphone or tablet using their bank’s mobile application. The widespread availability of this technology has streamlined the banking process for many, enabling deposits from virtually any location with an internet connection. It provides a flexible alternative to traditional deposit methods, integrating banking services into daily digital routines.

Preparing Your Check for Deposit

Before initiating a mobile check deposit, preparing the physical check ensures a smooth transaction. Properly endorse the check by signing the back and adding “For Mobile Deposit Only” or “For Deposit Only.” This prevents the check from being cashed elsewhere after electronic submission.

Ensure the check’s physical condition is optimal for scanning. The check should be flat, free of folds, tears, or excessive creases that could obscure information. Selecting a well-lit area with a dark, contrasting background when preparing to scan can significantly improve image quality. This contrast helps the camera distinguish the check’s edges and capture all necessary details clearly.

While the mobile banking application guides you through entering check details, have the check amount and payee’s name readily available. Though often pre-filled by the app’s optical character recognition, reviewing these details ensures accuracy. Having the account number to which the funds will be deposited confirmed in advance also streamlines the process within the app.

Using Your Mobile Banking App to Scan

To begin, open your bank’s mobile application on your smartphone or tablet and securely log in. Navigate to the “Deposit Check” or “Mobile Deposit” option, typically found on the main dashboard or within a transactions section. This initiates the guided deposit workflow.

Upon selecting the deposit feature, the application will prompt you to choose the specific account where you wish to deposit the funds, such as a checking or savings account. After selecting the account, accurately enter the exact check amount into the designated field. This manual entry verifies against the scanned image.

The app will then activate your device’s camera, guiding you to capture images of both the front and back of the endorsed check. Position the check on a flat, dark surface, ensuring all four corners are visible within the on-screen guides provided by the app. Hold the device steady and directly above the check to minimize shadows and blurring, allowing the app to automatically capture the images or prompting you to do so manually.

After capturing both images, the application will display a summary of the deposit details for your review. Verify the entered amount, selected deposit account, and clarity of the captured check images. Confirming these details ensures accuracy before final submission, preventing potential processing delays. Once satisfied, submit the deposit, and the app will typically provide a confirmation message or email indicating that your deposit is being processed.

Common Issues and Troubleshooting

Users may encounter challenges when attempting a mobile check deposit. If captured images appear blurry or unreadable, try cleaning your device’s camera lens and ensuring sufficient, glare-free lighting. Retaking the picture while holding the device steady can often resolve image clarity issues.

Another common problem arises when the check does not fit entirely within the camera frame. Adjusting your distance from the check or altering the angle can help ensure all four corners are visible within the app’s guidelines. If an incorrect amount is entered, most apps allow correction before final submission; if the error is caught after submission, contacting your bank’s customer service is the appropriate next step for resolution.

Users should also be aware of daily or weekly deposit limits imposed by financial institutions, which can range from several hundred to a few thousand dollars depending on the bank and account history. If a deposit exceeds these limits, the transaction may be declined, requiring a different deposit method. Ensuring a stable Wi-Fi or cellular data connection is also important, as poor connectivity can interrupt the upload process and prevent successful submission. Retain the physical check for 5 to 14 business days after confirmation, until funds have fully cleared and are available.