Why Is My Check Not Reading? Common Causes and Fixes

Common Reasons for Read Errors

Depositing a check using a mobile device or an ATM can sometimes encounter issues where the check fails to register. This common frustration often stems from various factors related to the check’s physical state, the scanning environment, or the device used. Understanding these underlying causes can help in diagnosing why a check might not be reading correctly.

The physical condition of the check itself is a frequent culprit. Issues such as wrinkles, tears, or excessive folds can obscure critical information, making it difficult for scanning technology to capture the necessary details. Faded ink, smudges, or poor print quality on the check, particularly on the routing and account numbers (the MICR line), can also prevent successful processing.

The environment where the scan takes place also significantly impacts readability. Inadequate lighting can create shadows or glare that obscure parts of the check. Scanning against a busy or dark background can further confuse the device’s camera. For optimal results, a well-lit area with a plain, contrasting background is generally recommended.

Issues with the scanning device or camera can also impede successful check reading. A dirty camera lens can cause blurred images, while a low-resolution camera may not capture the fine details required for processing. An unsteady hand while taking the picture can also result in a blurry image, rendering the check unreadable by the deposit system.

Another common problem arises from incomplete or incorrect check information and endorsement. A missing or improperly placed endorsement on the back of the check can lead to rejection. Illegible handwriting for the payee name, amount, or signature, or critical information being obscured by other marks or folds, will similarly prevent the check from being processed.

Lastly, the type or age of the check can sometimes contribute to reading difficulties. Very old checks might have faded over time, making their details less distinct. Temporary checks may also pose challenges for automated systems. Non-standard check formats or those with unusual designs could also confuse scanning software, leading to repeated failures.

Troubleshooting Steps

When a check fails to read, several steps can resolve the issue. Optimizing the scanning conditions is important. Ensure the check is placed on a flat, plain, and dark-colored surface for sufficient contrast. Adequate, even lighting without glare or shadows is also important to prevent critical information from being obscured.

Preparing the check properly before scanning is another important step. Carefully flatten any wrinkles or folds in the check to ensure all details are visible and undistorted. Check for any smudges or stray marks that might interfere with the printed information, especially around the MICR line. Confirm that the endorsement on the back is clear, correctly positioned within the designated area, and includes required phrases like “for deposit only” with your signature.

After optimizing the conditions and preparing the check, re-attempt the scan. When capturing the image, hold the device steady and directly above the check to minimize blur and distortion. Make sure all four corners of the check are visible within the camera frame, and the image is sharply in focus before confirming the capture.

If repeated attempts still fail, consider basic troubleshooting for your device or banking application. Try restarting the banking app. Ensure your banking application is updated to the latest version. If mobile deposit continues to fail, consider attempting the deposit at an ATM, which may have different scanning technology.

When to Seek Bank Assistance

If self-troubleshooting fails, seek assistance directly from your financial institution. Contacting your bank’s customer service department is often the next logical step. When you call, explain the issue and detail the troubleshooting steps you have already attempted.

It is also beneficial to have the check details readily available, such as the check number, amount, and drawer’s information. They might be able to offer specific guidance related to their mobile banking platform or suggest alternative digital deposit methods.

If digital methods prove unsuccessful, visiting a bank branch is a reliable alternative. Taking the physical check to a branch allows a teller to process the deposit manually.

Additionally, inquire about other potential deposit methods your bank may offer. Some financial institutions provide mail-in deposit services. While this method takes longer, it can be a viable option if immediate deposit is not critical.