Wondering how to deposit a check online? If youam new to mobile check deposits, it’s not as difficult as you might think. Take a look at these 5 tips that can help you get the most out of this feature — and save valuable time.
1. Check your bank’s policy for depositing mobile checks
The first thing to do is make sure the company you are banking with is set up for mobile check deposits. The easiest way to do this is to check yours mobile banking app or the financial institution’s website for more information.
When you log into mobile banking, go to the menu and look for the mobile check deposit option. If you see it listed, your app should allow you to deposit checks online.
Before attempting to use mobile check deposit, Make sure your account is enabled for this. While the feature may be available in mobile banking, you may still need to register or log in first.
2. Check mobile check deposit limits
If you know you can deposit a check through mobile banking, the next step is to determine if there are any deposit limits.
For example, some financial institutions place limits on the number of checks you can deposit per day or per week. There may also be daily, weekly, or monthly limits on the total dollar amount that you can add to your bank account using mobile check deposit. These limits can be based on the type of account, your deposit history or how long it took you to open an account.
You can usually find out about limits by reading your bank account terms and conditions. You can also check yours online banking website and look for a FAQ section. Chime offers mobile check deposit to. .
What if your check is outside the mobile check deposit limits? In this case, you need to find a workaround to deposit it into your bank account. For example, with online bank accounts, you may need to deposit the money into a checking account at a bank, and then transfer it to your other account through an ACH transfer.
3. Prepare your check for deposit
Depositing a check online is not exactly the same as depositing it a physical bank or ATM. YYou must still sign the back of the check for the deposit to be valid. You should Also Make sure all the information on the front of the check is correct.
Depending on your bank account, you may also need to provide additional details on the back to indicate that it is a mobile deposit. For example, you may need to add “for mobile deposit” or “for capturing deposits remotely” under your signature, if instructed to do so.
Also make sure that writing on the Check is legible. Your mobile device must be able to “read” the check through the camera when you’re ready to deposit it.
4. Deposit your check via Mobile Banking
After completing these steps, you are nOuch ready to cash a check online!
The process may vary depending on your bank account. But in general you need to do the following:
- Sign in to your mobile banking app.
- Look for the mobile check deposit option in the menu.
- Select the account you want to deposit the check into (i.e. examination or savings).
- Enter the check amount.
- Take a picture of the check – front and back. It’s important to make sure you get a clear picture of both sides of the check. Otherwise, you may have trouble cashing a mobile check. If the images appear fuzzy or blurry, clean your camera lens. And make sure you take photos in an area with good lighting so your camera can capture detail on your check.
- After your device has captured the images of your check, review the deposit details. Make sure you signed the check, selected the correct account, and entered the correct amount.
5. Wait for the check to clear
After depositing a check online, you may want to use the money immediately. However, you must first wait for the check to clear your bank account before accessing the funds.
In the meantime, Don’t throw away the check. Why? Because your mobile check filing can hiccup. If you don’t see the deposit in your account within a week, you may need to call your financial institution to find out what happened. You may also need to try making the deposit again.
Once your mobile check deposit is cleared in You can then use your bank account Write “void” on the check and put it away keep for your records.