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Today, everything can be done on the go, and your banking needs are no exception. Although direct deposit is the most popular option for the majority of checks you receive, sometimes you need to deposit a physical check at your bank. Fortunately, there is an option to do this without having to leave your home.

What is mobile check deposit?

With Mobile Check Deposit, you can simply deposit your check into your bank account using just your mobile device’s camera – you no longer have to go to your bank or find an ATM to deposit a physical check.

More of your money: Choose a savings, checking, CD or high-interest investment account from our list of the best banks to start saving today.

Mobile check deposit works for many types of checks, including:

  • Company checks
  • Cashier’s checks
  • Government issued checks
  • Personal checks
  • Stimulus checks

How mobile check deposit works

How Mobile Check Deposit works is by using advanced remote deposit capture technology through your favorite banking app. This usually involves taking a picture of the front of the check and a picture of the back of the check – after you’ve endorsed it – to scan your check and deposit it into your account.

To get started, make sure you’ve downloaded your bank’s mobile app and are logged into your account.

How to Use Mobile Check Deposit

Here is a step-by-step guide through a typical mobile check deposit transaction:

  1. Endorse the back of your check as you would any deposit.
  2. Open your banking app on your mobile device and log in.
  3. Click on the check deposit option from the menu.
  4. Choose the account you want to deposit the check to.
  5. Enter the check amount when prompted.
  6. Take a picture of the front of the check.
  7. Take a photo of the back of the endorsed check.
  8. Check and make sure the deposit details are correct.
  9. Press Submit to process your deposit.

How long do mobile check deposits take?

On average, mobile check deposits will be deposited into your account within two business days. The time frame may depend on the bank you use and the amount you deposit.

Partial funds may be accessible before the full amount – most banks will allow you to access approximately $200 of the check amount on the business day following your deposit. For example, if you deposit a check for $1,000 on your mobile device, you will be able to access $200 of it the next business day, and the remaining $800 will be available to you within two business days of your deposit. original mobile.

Although the full amount of most checks will be available to you within two business days, there are occasional delays for the following reasons:

  • The check you are depositing is for a large amount.
  • The bank is under the impression that the check will not be paid.
  • There is a history in your account of unpaid deposited checks.
  • Your account has frequent overdrafts.

Mobile check deposit: advantages and disadvantages

Advantages The inconvenients
Can deposit checks from anywhere Still need to keep physical checks until deposits are made
Same level of security as depositing a check in a branch Depends on Wi-Fi
Friendly and practical Checks must be endorsed

More of your money: Choose a savings, checking, CD or high-interest investment account from our list of the best banks to start saving today.

Which banks have mobile check deposit?

Although most banks offer some form of mobile check deposit service, if you are unsure if your bank has this option, you can contact them through customer service on their website or call your local branch. . Most major banks and financial institutions have a mobile app with a mobile check deposit feature, so this option is likely available to you.

Here are some examples of the best banks with this feature:

Final Take: Mobile Check Deposit

Mobile check deposit is convenient, but it’s also good to know it’s safe. When making a deposit through your banking app, you are essentially protected by the same level of security as when depositing a check at a physical branch – although this security is on the bank’s side, so you should always practice security on Internet.

Be sure to take note of any exclusions your bank may have and always keep the paper check until the deposit has cleared.


  • Are mobile checks deposited instantly?
    • No – typically most banks take two business days to fully deposit your check into your account. However, they tend to deliver $200 of the check amount the next business day, so you would have access to that amount sooner.
  • How does mobile check deposit work?
    • Mobile check deposit works by using the camera of your mobile phone or other mobile device to scan the check into your account for deposit.
  • What app can you use to deposit a check on mobile?
    • You can deposit a mobile check on most banking apps. If you are unsure whether the bank you are using has this option, you can contact them. The majority of major banks and financial institutions should have the ability to deposit mobile checks.

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