Why Was My Mobile Deposit Rejected? And What to Do Next

Mobile deposits offer a convenient way to manage finances by allowing individuals to deposit checks using a smartphone or tablet camera. This digital banking solution eliminates the need to visit a physical bank branch or ATM. Understanding the common reasons behind rejections helps account holders avoid issues and ensure their funds are processed efficiently.

Primary Reasons for Mobile Deposit Rejection

One frequent cause for mobile deposit rejection relates to the quality of the check image captured. Blurry pictures, poor lighting, or shadows obscuring important details can make the check unreadable. Additionally, if all four corners of the check are not visible or if the image is cut off, the deposit may be declined. A torn or folded check also prevents correct processing.

Incorrect or missing endorsements on the back of the check are another common reason for rejection. Most banks require a signature along with the phrase “For Mobile Deposit Only” written clearly below it. Some institutions may also request additional details like the account number. Without proper endorsement, the bank cannot process the transaction securely.

Exceeding deposit limits imposed by the bank can also lead to a rejection. Financial institutions typically set daily, weekly, or per-item limits on mobile deposits. These limits vary by bank and by customer, sometimes depending on the account’s history or relationship with the bank. Attempting to deposit an amount higher than the allowed threshold will result in the deposit being declined.

Issues with the check itself or the linked account can cause problems. If the bank account linked to the mobile deposit is closed, frozen, or has specific restrictions, the deposit will likely be rejected. Certain types of checks are also often ineligible for mobile deposit, such as those drawn on foreign banks or third-party checks where the original payee endorses the check to another person.

Checks that are too old or too new may also be rejected. A “stale-dated” check is one typically issued more than six months prior, and banks are generally not obligated to honor them. Conversely, a “post-dated” check, which has a future date, might be deposited by the bank before that future date, as financial institutions are not usually required to wait.

Finally, attempting to deposit the same check multiple times will result in rejection due to duplicate deposit detection systems. This can occur accidentally if a check is submitted via mobile deposit and then again at an ATM or branch.

Resolving a Rejected Mobile Deposit

When a mobile deposit is rejected, the first step involves reviewing the notification received from your bank. Many banking apps and online platforms provide a specific reason for the rejection. This message often indicates the issue, such as image quality, endorsement, or exceeding limits.

If the rejection reason is unclear, or if you need further assistance, contacting your bank’s customer service is advisable. Be prepared to provide details about the check, including the amount and the date of the attempted deposit, along with any error messages received. Bank representatives can access specific information regarding the rejection and guide you on the next steps.

For common issues like image quality or endorsement, you might be able to correct the problem and attempt the deposit again. This could involve retaking clearer photos under better lighting conditions or ensuring the check is properly endorsed. If the rejection was due to deposit limits, you may need to wait until the next deposit period or consider alternative methods.

Should mobile deposit continue to fail, or if the check value exceeds your mobile deposit limit, consider alternative deposit methods. Most banks allow in-person deposits at a branch or ATM. Taking the physical check to a teller or an ATM can often resolve issues that mobile deposit systems cannot. If the problem persists or involves complex check issues like suspected fraud, further assistance from bank personnel will be necessary to determine the best course of action.

Ensuring Future Mobile Deposit Success

To prevent future mobile deposit rejections, proper check preparation is a foundational step. Always ensure the check is signed on the endorsement line on the back and includes the phrase “For Mobile Deposit Only” below your signature. Avoid folding or damaging the check before taking the picture, as physical damage can hinder readability.

Optimizing the image capture process is another practical measure. Place the check on a flat, plain, dark surface to create good contrast. Ensure the area is well-lit, free from glare or shadows, and hold your phone steady to capture a clear, focused image. All four corners of the check must be visible within the camera’s frame.

Understanding your bank’s specific mobile deposit policies and limits before attempting a deposit can prevent rejections. Banks typically publish their daily, weekly, or per-item deposit limits. Familiarizing yourself with these thresholds can help you plan larger deposits accordingly.

Before submitting, verify all details on the check, including the date, payee, and the written and numerical amounts. Ensuring these details are accurate and match the information entered into the app helps avoid discrepancies that could lead to rejection. Using a stable internet connection supports smooth transmission of the check images to your bank. After a successful mobile deposit, retain the physical check for a period, typically between 7 and 14 days, until the funds have fully cleared and are available in your account.