Last Updated on January 18, 2026 by admin
With ongoing technological advancements, traditional banking has evolved into a more digital experience, offering a wide range of mobile banking services. One standout feature is mobile check deposit, which allows customers to securely deposit checks using their smartphone from the comfort of their home.
Mobile check deposit saves time and effort by eliminating the need to travel to a bank during business hours. It also reduces the risk of losing or misplacing checks before they are deposited, offering greater security and peace of mind.
You have multiple ways to deposit a check, such as using an ATM, visiting a bank or credit union branch, or depositing it through your bank’s mobile app. These options are typically free at most financial institutions, whereas check-cashing services may impose fees.
Read: Why Bank put Holds on Checks and How to Avoid Them
Here’s a clear step‑by‑step guide for depositing a check using your bank’s mobile app
- Open the app and sign in with your username and password (or biometrics like fingerprint/Face ID).
- Look for “Deposit Checks” and “Mobile Deposit in the menu.
- Choose the account where you want the funds deposited (checking, savings, etc.).
- Type in the exact amount written on the check.
- Take photos of the check by placing the check on a flat, well‑lit surface.
- Snap a clear photo of the front and back (after signing the back with your endorsement).
- Some banks require writing “For Mobile Deposit Only” under your signature.
- Review the details, then tap “Submit” or “Deposit.”
- You’ll usually get an on‑screen confirmation and later an email or app notification.
- Hold onto the paper check for a few days (often 14–30 days) until the deposit fully clears, then safely destroy it.
If the deposit doesn’t go through, it could be due to blurry photos, a missing endorsement, or a damaged check. If your bank provides a specific reason for the error, correct the issue and resubmit the deposit. If you’re unsure what to do, visit a bank teller or contact customer service for assistance.
How to deposit check with ATM
If you want to deposit a check via ATM, here is steps by step
- Locate a deposit‑accepting ATM because not all ATMs take deposits, so make sure you’re at one owned by your bank or a partner network.
- Insert your debit/ATM card, then enter your PIN to access your account.
- Choose “Deposit” from the menu by selecting “Deposit Check” or “Deposit” depending on the ATM’s options.
- Prepare the check by endorsing the back by signing it. Some banks require writing “For Deposit Only” with your account number.
- Insert the check by placing the check directly into the deposit slot.
- Some ATMs scan the check without an envelope, while others may require one (the machine will prompt you).
- Type in the amount written on the check to confirm.
- Review the details on the screen. The ATM may show an image of the check for confirmation.
- Keep the receipt as proof of deposit until the funds clear.
- Deposits may not be available immediately; banks often place a short hold (1–3 business days).
Read: Register for National bank Canada online banking and mobile app
How to deposit a check by visiting a Local Bank or Credit Union Branch
Here’s a clear step‑by‑step guide for depositing a check by visiting a local bank or credit union branch
1. Carry the check you want to deposit and a valid photo ID (like a driver’s license or passport)
2. Sign the back of the check. Some banks may also ask you to write your account number or “For deposit only.”
3. Write your name, account number, and the check amount. Deposit slips are usually available in the lobby.
4. Hand the endorsed check and deposit slip to the teller. If you’re depositing into someone else’s account, let the teller know.
5. The teller may ask for a photo ID, especially if you don’t have your debit card or are depositing a large check.
6. The teller will process the deposit and give you a receipt—keep it for your records.
When is the check deposit available?
Most banks make check deposits available within 1–3 business days, but timing depends on the method used and your bank’s policies. Some banks even offer same‑day or instant availability for mobile deposits.By law, the first $225 of your deposit must be available by the next business day.
Typical Check Deposit Availability
- Branch deposits (in person): Funds are usually available the next business day. Large checks or new accounts may face longer holds.
- ATM deposits: Similar to branch deposits, funds often clear within 1–2 business days. Some banks may place longer holds depending on the amount or account history.
- Mobile app deposits: Many banks release funds within 1–3 business days. A growing number of banks (like SoFi, Axos Bank, KeyBank, U.S. Bank, PNC, and Huntington) offer same‑day or instant availability for mobile deposits, sometimes with a small fee for immediate access
Read: Canadian Imperial Bank of Commerce (CIBC) online banking &Mobile app
Can another person deposit a check on my behalf?
Yes, another person can usually deposit a check on your behalf, but it depends on your bank’s policies and how the check is endorsed. Here’s how it typically works:
- Endorsed check with “For Deposit Only.” If you sign the back and write “For Deposit Only” with your account number, another person can hand it to the teller or deposit it at an ATM.
- Deposit slip completed in your name. The person can fill out a deposit slip with their account details and submit it along with the check.
- Mobile deposit (not transferable). Mobile deposits usually require the check holder’s own account and app login, so another person cannot use their phone to deposit into your account.
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