How to make mobile check deposit from your bank

Last Updated on 2023-07-13 by Admin

Do you want to learn how you can deposit mobile check from your bank account and you don’t know the steps? Depositing a check on your phone or tablet is just as secure as handing it to your local teller.

The Mobile check deposit allows bank customers to deposit checks to their bank account using  mobile device.You can deposit personal checks, business checks, cashier’s checks and government-issued checks., such as tax refunds and stimulus checks

Mobile check deposits can save you time by depositing your checks remotely, no matter your location or time of day. Instead of making a routine trip to the bank, you can simply take a picture of the front and back of the check with your smartphone or mobile device, and deposit it using a mobile app.

How to Deposit paper checks into your account using the Mobile Banking app

Deposit checks from almost anywhere with a Mobile Banking app on your smartphone or tablet. Receive a confirmation so you know right away your deposit has been received. follow the steps below:

1. Kindly download your bank’s mobile banking app, if you haven’t already, and create your unique login.
2, Then log in to the app and find a mobile check deposit in the menu.
3.select Deposit Checks
4.Sign the back of the check and write “for deposit only .
5.Take photos of the front and back of the check with your smartphone — just 6.Select the Front of Check and Back of Check buttons.
7.Select the account to receive the deposit, enter the amount and tap Next.
8.After confirming the details, tap Submit.

What are mobile check deposit Limits

There is a monthly limit for Mobile Check Deposits and it’s displayed when you select your deposit account. Once you’ve hit that limit, you can’t deposit another check with the app until the limit is reset at the beginning of the next month.

How to take a good  mobile deposit pictures

1.Have good lighting and lie the check flat on a dark background
2. Ensure all four corners are visible
3.Detach the check from any check stub or cover letter
4.Hold your device steady directly over the check (not at an angle) to take the picture automatically, or tap the camera icon to take the picture manually

How long does a mobile check deposit take?

When you make a mobile check deposit, the money is usually available in one to two days, although it can take up to five business days (excluding federal holidays). .

Every bank’s policies differ on mobile check deposit timing. Some banks offer same-day or next-day mobile check deposits for a small fee. Banks might also clear a smaller amount of the check you deposited immediately and then clear the remainder of the money within a few business days.

Banks place a hold on checks for various reasons, including:

The deposit was made late in the day
The amount exceeded their daily limits
The account has a history of overdrafts

 

 

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