Scanning checks for deposit is most commonly and conveniently done through your bank's mobile app using your smartphone's camera, a process known as mobile check deposit. This method allows you to deposit checks without visiting an ATM or bank branch.
Understanding Mobile Check Deposit
Mobile check deposit streamlines the banking process, enabling you to deposit funds quickly and securely from almost anywhere. The core idea is to use your phone's camera to "scan" images of the check's front and back, which the bank then processes as a digital deposit.
Step-by-Step Guide to Mobile Check Deposit
Follow these steps to successfully scan and deposit a check using your mobile device:
1. Download Your Bank's Mobile App
Ensure you have your bank's official mobile application installed on your smartphone or tablet. If you haven't already, download it from your device's app store (Google Play Store for Android or Apple App Store for iOS).
2. Endorse the Check Properly
Before scanning, endorse the back of the check. This typically involves:
- Signing your name exactly as it appears on the "Pay to the Order of" line on the front of the check.
- Writing "For Mobile Deposit Only" below your signature. Some banks may have a specific checkbox for mobile deposit; if so, check it. This is a crucial step to prevent fraudulent re-deposits.
3. Access the Mobile Deposit Function
Open your bank's app and log in securely. Navigate to the mobile deposit section, which is often labeled "Deposit," "Mobile Deposit," or "Check Deposit."
4. Select the Deposit Account
Choose the account (e.g., checking, savings) where you want the funds to be deposited. Most apps will display your available accounts for selection.
5. Enter the Check Amount
Manually input the exact dollar amount of the check. Double-check this figure to ensure it matches the written and numerical amounts on the check. Inaccurate entry can cause delays or rejection of your deposit.
6. Take Clear Pictures of the Check
This is the "scanning" part. The app will prompt you to take two photos: one of the front of the check and one of the back.
- Preparation: Place the endorsed check on a flat, dark, well-lit surface. Ensure there are no shadows and that all four corners of the check are visible.
- Front Image: Position your phone directly above the check, ensuring the entire check fits within the guidelines provided by the app. The app's camera function will typically auto-focus and snap the picture when it detects a clear image.
- Back Image: Flip the check over to the endorsed side and repeat the process for the back.
Tips for Clear Photos:
- Use good lighting, preferably natural light.
- Avoid glare from overhead lights.
- Keep your hands steady to prevent blurry images.
- Make sure the check's background is uniform and contrasts with the check color.
- Ensure all information, including the check number, routing number, account number, and endorsement, is legible.
7. Review and Submit
After capturing both images, the app will usually display a summary of your deposit, including the account selected, the amount entered, and the images.
- Review all details carefully for accuracy.
- If everything looks correct, tap the "Submit," "Deposit," or "Confirm" button.
After the Deposit
- Confirmation: You should receive a confirmation message within the app, and often an email, indicating that your deposit has been submitted.
- Hold onto the Check: Do not discard the physical check immediately. It's recommended to write "Electronically Deposited" and the date on the front of the check and keep it for a few days (e.g., 5-10 business days) until the funds are fully cleared and available in your account. This is a safeguard in case there are any issues with the deposit.
- Check Your Balance: Monitor your account to confirm the deposit has been processed and the funds have become available.
Common Issues and Solutions
| Issue | Description & Solution |
|---|---|
| Blurry Images | Re-take photos ensuring good lighting, steady hands, and proper focus. Clean your phone's camera lens. |
| Corners Missing | Ensure the entire check, including all four corners, is within the camera frame and the app's guidelines. |
| Incorrect Amount | Double-check the manually entered amount against the check's written and numerical values. Correct if necessary before submitting. |
| Missing Endorsement | Always endorse the back of the check with your signature and "For Mobile Deposit Only." Many banks will reject deposits without proper endorsement. |
| Funds Not Available | Check your bank's mobile deposit funds availability policy. Funds may be held for a few business days, especially for larger amounts or new accounts. |
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