What You Need to Know About Mobile Deposits | Chase (2024)

Once upon a time, the idea of “making a deposit” might’ve meant adding some coin to a pot of gold you hid in a cave. Fast forward to the modern era and … you still had to take your paper check to your nearest bank branch or ATM. Fortunately, banking is always evolving. These days you can deposit a check from the comfort of your living room in just a few minutes, thanks to the mobile deposit feature in your bank’s mobile app.

How to conduct a mobile check deposit

Depositing a check to your account using mobile check deposit is a typically straightforward process. Here are the general steps, though specifics may vary based on the app you’re using and the financial institution you bank with:

  1. Log in: You’ll start by opening your bank’s mobile banking app and entering the same credentials you use to log in to your bank account via the bank’s website.
    • If you don’t have an online account yet, you’ll need to set that up first. This can usually be done via your bank’s official website, or you can stop in at a local branch for in-person assistance.
    • If you haven’t set up your mobile app yet, you can typically find a secure download link on your bank or financial institute’s website. This helps you avoid the mistake of downloading potentially fraudulent apps.
  2. Find the mobile deposit section: Once logged in, there will typically be an option on your home screen labeled “Mobile deposit,” “Deposit checks” or something similar. Select this option.
  3. Enter deposit details: Your app will then normally ask for details such as the amount to be deposited, as well as prompt you to take photos of the front and back of the check. It helps to read and follow any instructions you receive closely, as your financial institution may have specific requirements for how they’d like you to prepare the check for mobile deposit.
  4. Take a photo of the front of the check: Generally, you’ll now be prompted to take a photo of the front of your check. Placing the check against a dark, solid background may help provide a higher-quality photo.
  5. Take a picture of the back of the check: Next, you’ll be asked to take a photo of the back of the check where you’ll find the endorsem*nt section. Following the prompt, you’ll want to endorse the check before photographing it for deposit (see below for more).
  6. Submit and complete: Once you’ve taken and submitted the photos of the front and back of the check following the instructions provided, you’ll be prompted to confirm and complete the transaction. If everything was done according to your bank’s instructions, the funds may be available to you the same day or the next business day, depending on the bank’s policies and time of deposit.

How to endorse a check for mobile deposit

Endorsing a check is a security measure that helps the bank verify you as the rightful recipient for the money. It additionally serves as your authorization to them that they should process the transaction.

Most checks have a box marked “endorse here” or something similar, as well as an indication not to write below a certain point. It’s best to limit your endorsem*nt to the dedicated box at the top. You’ll typically need your signature, your mobile app may provide you with instructions such as adding “For mobile deposit only.” Following these specific instructions carefully can help to process your check correctly.

What else to know about mobile deposits

Although you now know the basics of how to conduct a mobile deposit, you may still have a few additional questions. If you'd like more information, you can always inquire in person at your nearest bank branch:

Can all checks be deposited via mobile deposit?

While many checks can be deposited with your phone, there are a few exceptions. Most personal, business and government checks are eligible, but other cash equivalents like money orders or savings bonds may not be. International checks may not always qualify either.

Is there a limit on mobile deposits?

Most financial institutions have some form of limits on daily, weekly or monthly deposits. Checks exceeding this limit may need to be deposited in person. It’s best to check your institution’s limits before attempting a mobile deposit on a large check.

How long does a mobile deposit take?

Mobile deposits can take varying amounts of time to clear, depending on several factors including each party’s financial institution, account histories and account types. Funds are usually available shortly after deposit but may sometimes take several business days to clear.

Is a mobile deposit safe?

Mobile deposits are considered as safe and secure as any other bank-approved method of depositing a check. The Chase Mobile® app, for instance, never stores passwords or image data on your device when using Chase QuickDeposit℠. Additionally, mobile deposits to FDIC-insured accounts are protected the same as any other deposit.

What to do with a check after mobile deposit

Just as with a traditional deposit, there’s always a possibility that a check may bounce. To ensure the funds are transferred correctly, it’s wise to hang onto your checks until the deposit has cleared. This way, you have the check on hand in case anything goes wrong during that time.

In summary

Mobile deposit is just one of the ways in which banking is always evolving. Using your bank’s mobile app and your phone’s camera, you can deposit a check to your account quickly, any time you want. Whether you’re busy juggling life, on the go to your next gig or just sitting on your couch in your PJs, mobile deposit helps you get paid on your own terms.

What You Need to Know About Mobile Deposits | Chase (2024)

FAQs

What information is needed for a mobile deposit? ›

  • Download your bank's app.
  • Endorse the check.
  • Open the bank app on your mobile device and select the mobile deposit function.
  • Choose the account where you want to deposit the check.
  • Enter the check amount.
  • Take clear pictures of the check with your mobile device.
  • Review the deposit details, then hit submit.
Sep 28, 2023

What is a unacceptable item for mobile deposit? ›

Any item that is incomplete or contains incomplete information. Any item written off the deposit account. Any item that is post-dated or dated over six (6) months ago. Any Third- Party check (made payable to another party and then endorsed to you by that party)

How does a bank verify a mobile deposit check? ›

Verifying if a check is legitimate or a counterfeit takes time. Once a check photograph has been submitted through mobile deposit, the bank or credit union will have employees who are trained to spot counterfeit checks examine it. There are many data points that are considered when verifying a check.

How safe is mobile deposit? ›

Even if a thief were able to grab your information in transit from your phone to the bank, the information is encrypted. The image of your check also isn't stored on your phone, so you don't have to worry about accidentally sending it to someone else later.

What is not eligible for mobile deposit check? ›

The following are not eligible for Mobile Deposit: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), non-American Express traveler's checks, cash, checks that are ...

How big of a check can I mobile deposit? ›

The maximum amount varies by bank. At Santander Bank, for example, there's a daily mobile deposit limit of $2,500 for customers who've had an account for at least 90 days. Otherwise, the daily limit is $1,000.

Why would a check be rejected for mobile deposit? ›

The system may automatically reject checks for any of the following reasons: The check image isn't readable. The check is folded or torn. The check isn't signed on the front or on the back.

How long does it take to approve a mobile deposit check? ›

It typically takes one business day for the funds to clear and become available for use. In some cases, it can take a few days for the bank to verify the check. The amount of the check can impact this timeline, as can the rules and processes each bank has surrounding mobile deposits.

How to spot a fake check for mobile deposit? ›

What Are the Signs of Fake Check Scams?
  1. Irregular perforations.
  2. Missing check numbers.
  3. Incorrect routing codes.
  4. Odd magnetic ink character recognition (MICR) lines.
  5. Notations in the memo area.
  6. Stains or discolorations on the check.
  7. Other discrepancies.

What happens to check after mobile deposit? ›

It's a good idea to keep your check for 30 days or until you are sure that the full amount has posted to your account. After you have confirmed the deposited funds have been applied to your account correctly, destroy the check or mark it "VOID."

Can someone mobile deposit money into my account? ›

You can deposit a check for someone else using a mobile bank app, but you'll need the person's account information. Typically, when making a mobile deposit, you have to log in to the bank account, take pictures of the front and back of the check, and indicate the amount being deposited.

Can a mobile deposit bounce? ›

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.

What documents do I need for mobile banking? ›

Step 1: Some providers demand a duly-filled registration form from the customers. Step 2: You may need to provide the financial company with your identity proof along with the registration form. Step 3: You need to download and install the mobile banking app of your bank/financial provider based on your handset.

What information do you need for a deposit? ›

Filling Out Your Deposit Slip

Here is what you need to do to fill out deposit slips that came with your checks and already have your personal information printed on them, including your address and account number. Fill in the date. Write the total amount of cash you're depositing.

What to write on the back of a check for mobile deposit? ›

Mobile check deposits typically require a restrictive endorsem*nt for the bank to recognize them. Banks may ask you to write out a custom restrictive endorsem*nt that looks like the following: “For mobile deposit only.” “For deposit into checking account [Account Number] only.”

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