How to Scan Checks for Deposit With Your Phone

Mobile check deposit allows individuals to deposit checks using a smartphone or tablet, eliminating the need to visit a bank branch or ATM. This feature is widely available through most banking applications, streamlining the process of adding funds to an account.

What You Need for Mobile Check Deposit

To make a mobile check deposit, you need a compatible smartphone or tablet with your bank’s current mobile application. A stable internet connection, via Wi-Fi or cellular data, is also essential for the app to communicate with the bank’s servers.

The physical check must be properly filled out, including the payee name, amount, and date. Endorse the back of the check by signing your name and writing “For Mobile Deposit Only” beneath your signature. Some banks provide a pre-printed box to check for mobile deposits, which should be used with your signature. For optimal image capture, place the check on a flat, dark surface in a well-lit area, free from shadows.

Step-by-Step Guide to Scanning Your Check

After gathering the necessary items, begin by opening your bank’s app and logging into your account. Navigate to the “Deposit Check” or “Mobile Deposit” feature, usually prominent within the app’s main menu.

Next, select the account for deposit and accurately enter the check’s monetary value. The app will then prompt you to photograph both the front and back of the endorsed check. Ensure the entire check is within the frame, all four corners are visible, and the image is clear and free of blur or shadows for successful processing.

After capturing both images, review them within the app to verify clarity and completeness, ensuring the check number, routing number, account number, and amount are legible. Finally, confirm the deposit, and the app will submit the images and information to your bank for processing.

After You Deposit: What to Expect

Following a successful mobile check deposit, you can expect to receive a confirmation message within the app, often followed by an email or text notification from your bank. This confirmation indicates that your deposit has been received and is awaiting processing. Funds availability varies, with many banks making funds available within one to two business days, although some may hold funds for a longer period, such as up to five business days, especially for larger amounts or new accounts.

It is generally advisable to retain the physical check for a period after deposit, typically between 7 and 30 days, or until the funds are fully cleared and posted to your account. Once you have confirmed the deposit’s completion and fund availability, securely shred the check to protect your financial information. You can monitor the status of your deposit and review your transaction history directly within your mobile banking app.

Important Considerations for Mobile Deposit

Banks often implement daily, weekly, or monthly deposit limits for mobile check deposits, which can vary significantly by institution and individual account type. These limits are generally lower than those for in-person deposits, with common daily limits ranging from a few hundred to several thousand dollars. It is prudent to check your specific bank’s mobile deposit limits before attempting a large deposit.

Security measures are also important; always use secure Wi-Fi networks when making deposits and maintain strong, unique passwords for your banking app. Regularly monitoring your account activity can help identify any unauthorized transactions promptly. While most personal, business, and government checks are accepted, certain types, such as third-party checks, foreign checks, or post-dated checks, are often not eligible for mobile deposit. If you encounter persistent issues or have questions, contacting your bank’s customer support directly is the recommended course of action.