How to Deposit a Check Online
Deposit a paper check into your bank account using your phone camera and the bank app.
Steps
- 1
Download your bank's mobile app
from the App Store or Google Play. Sign in with your online banking username.
- 2
Find "Deposit Checks"
in the app menu. It is usually under "Services" or on the main dashboard.
- 3
Endorse the back of the check
by signing your name. Write "For mobile deposit only" below your signature.
- 4
Take photos of the check
using your phone camera. Capture the front and the back following the app guides.
- 5
Enter the amount
and choose the account for the deposit. Review and submit. The bank processes your deposit.
Frequently Asked Questions
How long does mobile check deposit take?Show
Most deposits are available within one business day. The first deposit may take longer while the bank verifies your account.
Is mobile check deposit safe?Show
Yes. The app uses the same security as your online banking. The check photos are encrypted during transmission.
What if I take a blurry photo?Show
The app checks the photo quality and tells you to retake it. Make sure the whole check is in the frame with good lighting.
Is there a limit on how much I can deposit?Show
Yes. Banks set daily and monthly limits for mobile deposits. Check your account settings for your specific limits.
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Written by the HowToDoStuff.online editorial team. Last updated .