Wondering how to deposit a check online? If youyou are new to mobile check depositsIt’s not as difficult as you think. Take a look at these 5 tips that can help you get the most out of this feature and save you valuable time.
1. Check your bank’s mobile check deposit guidelines
The first thing you need to do is make sure the organization you bank with is set up for mobile check deposits. The easiest way to do this is to check your mobile banking app or the financial institution’s website for more information.
When you sign in to mobile banking, go to the menu and look for the mobile check deposit option. If you see it listed, then your app should allow you to deposit checks online.
Before attempting to use mobile check deposit, make sure your account is enabled to do so. While the feature may be available in mobile banking, you may still need to sign up or register first.
2. Review Mobile Check Deposit Limits
If you know you can deposit a check through mobile banking, the next step is to determine if there are 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 you can add to your bank account using mobile check deposit.
These limits are usually linked to any of the following factors:
- Account type
- deposit history
- account age
You can usually find out about the limits by reading the terms and conditions of your bank account. You can also check your on line bank website and look for a frequently asked questions section. Chime offers mobile check deposit to account holders who have received at least a direct deposit of $1 or more from an employer or provider of payroll, government benefits, or a gig economy payer through the Chamber transfer Automated Clearing House (ACH) or Original Credit Transaction (OCT) .
What if your check is outside the mobile check deposit limits? In this case, you will need to find an alternative solution to deposit it into your bank account. With online banking accounts, for example, you may need to deposit the money into a checking account at a physical bank and then move it to your other account through a ACH transfer.
3. Prepare your check for deposit
Depositing a check online is not exactly the same as depositing it at to physical bank or ATM. ANDYou still have to sign the back of the check for the deposit to be valid. You ought 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” either “for the remote capture of deposits” under your signature if instructed to do so.
Also, make sure the writing on it the check is legible. Your mobile device must be able to “read” the check through the camera when you are ready to deposit it.
4. Deposit your check through mobile banking
After following these steps, you areOh Ready to deposit a check online!
The process may be different depending on your particular bank account. But in general, this is what you should do:
- Sign in to your mobile banking app.
- Find the mobile check deposit option in the menu.
- Select the account to which you wish to deposit the check (i.e., verification either savings).
- Enter the amount of the check.
- Take a photo of the check, front and back. It’s important to make sure you get a clear image of both sides of the check. Otherwise, you may have trouble completing a mobile check deposit. If the images come out fuzzy or fuzzy, clean the camera lens. And be sure to take photos in an area with good lighting so your camera can capture the details of your check.
- Once your device records your check images, review the deposit details. Make sure you have 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 right away. But first you’ll need to wait for the check to clear in your bank account. before accessing the funds.
Meanwhile, don’t throw away the check. Because? Because there may be a setback with your mobile check deposit. 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’s going on. You may also need to try to make the deposit again.
Once your mobile check deposit is cleared in your bank account, then you can write ’empty’ on the check and archive it to keep for your records.