To deposit a check online using mobile deposit, follow these general steps:
- Endorse the check by signing the back. Some banks require you to write "For mobile deposit only" below your signature.
- Open your bank's mobile app and log in.
- Select the mobile deposit feature , often labeled as "Deposit Checks" or "Deposit a Check."
- Take clear photos of the front and back of the endorsed check using your phone's camera, ensuring good lighting and all corners are visible.
- Enter the check amount and select the account where you want to deposit the funds.
- Submit the deposit through the app.
- Keep the physical check for 14 to 30 days after deposit confirmation in case the bank needs to verify it, then securely dispose of it.
Mobile deposits are usually processed within one to two business days, though timing can vary depending on the bank and check amount
. Different banks may have slightly different apps and procedures, but the overall process is similar. For example, Wells Fargo, Bank of America, TD Bank, and PayPal all offer mobile check deposit services with these general steps
. In summary, depositing a check online involves endorsing the check, using your bank's mobile app to photograph and submit the check, and waiting for confirmation that the deposit is processing
