Mobile Check Deposits (2024)

FAQs

What to write on a check for mobile deposit? ›

You can make deposits in a snap with your iPhone® or Android™ device. Due to a new banking regulation, all checks deposited via a mobile service must include: “For Mobile Deposit Only” handwritten below your signature in the endorsem*nt area on the back of the check or the deposit may be rejected.

This rejection can occur for various reasons, such as insufficient funds in the depositor's account, discrepancies in the provided account details, a hold or freeze on the account, or suspicious activity triggering security measures.

Otherwise, the daily limit is $1,000. “Mobile check deposit limits are set to reduce the risk of fraudulent checks being deposited,” says Urjit Patel, chief operating officer of Education First Federal Credit Union.

Take photos of the front and back of the check with your smartphone — just select the Front of Check and Back of Check buttons. Select the account to receive the deposit, enter the amount and tap Next. After confirming the details, tap Submit.

For Deposit Only—Restrictive Endorsem*nt

The most secure way to endorse a check is to: Write: For Deposit Only to Account Number XXXXXXXXXX. Sign your name below that, but still within the endorsem*nt area of the check.

There are a number of reasons why checks may not be able to be deposited using the mobile app: Folded or torn corners. The front image is not legible. The amount entered doesn't match the amount read by the scanning software.

Mobile deposits generally take about one business day to clear, providing a quick way to access funds in a bank account. Delays in the mobile deposit process can occur due to factors such as improper endorsem*nt, unclear images, or entering incorrect amounts.

Most banks allow mobile depositing of personal checks, business checks, cashier's checks, and government-issued checks. This includes tax refunds and stimulus checks. Usually, foreign checks, third-party checks, money orders, and traveler's checks are not allowed, but this varies slightly from bank to bank.

Just like any regular bank deposit protocol, mobile deposits bounce when the check issuer doesn't have adequate money in their account to make the deposit. So keep in mind that, while you may receive a confirmation upon deposit, your bank has the right to reverse the funds even after sending confirmation.

Is it better to deposit a check in person or online? ›

Depositing a paper check via mobile deposit can be as safe and secure as taking the money to a branch.

Yes, you can deposit a check on Cash App. To deposit a check on Cash App, you will need to have a verified account and a linked bank account. You can deposit checks up to $7,500 per day and $15,000 per month, with a fee of 5% for instant deposits or 1-3 business days for free deposits.

You agree to endorse all Items that you deposit via the Service with your signature and to include the words "For deposit only at Bank of America," or "For deposit only at Merrill," as applicable. You will not allow transmission of an Image of an Item that has already been transmitted through the Service.

How do I endorse my checks for Mobile Deposit? Simply sign or use an official company stamp on the back of your check. Please write “For Citizens Bank Deposit Only” below your signature. Any items not properly signed will not be accepted via mobile deposit.

Enter the amount of your check. Sign the back of your check and write “For Mobile Deposit at Wells Fargo Only” below your signature (or if available, check the box that reads: “Check here if mobile deposit”).