Mobile Check Deposit | Cash a Check Online (2024)

FAQs

Why isn't my mobile check deposit working? ›

This rejection can occur for various reasons, such as insufficient funds in the depositor's account, discrepancies in the provided account details, a hold or freeze on the account, or suspicious activity triggering security measures.

Reasons that deposit items may be declined include ineligible or non-negotiable checks, missing signature or missing endorsem*nt, a stale or post-dated check, poor image quality, daily or monthly deposit dollar amount exceeded, or an unacceptable item.

Mobile deposits generally take about one business day to clear, providing a quick way to access funds in a bank account. Delays in the mobile deposit process can occur due to factors such as improper endorsem*nt, unclear images, or entering incorrect amounts.

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 ...

Some check types aren't eligible for mobile deposit, including: Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). Checks that don't contain a nine-digit U.S. routing number.

Unless a hold is placed, deposits on a business day before cutoff time will be processed that night and are generally available the next business day.

You'll immediately get a message that your deposit is processing. And within seconds, we'll send you an email verifying that it was received. Funds are generally available the next business day. It's banking made easier with our Bank of America mobile banking app.

Yes, you can potentially get in trouble for accidentally depositing a fake check. While an accidental deposit may not lead to legal consequences, you may get hit with bank fees, you'll need to repay any amount of the check you spent, and the bank may put a hold on your account.

Check was not endorsed. Amount of the check is less than $5 or more than $5,000. Amount of the check will cause you to exceed the daily, weekly, or monthly funding limits for your card. Amount of the check will cause you to exceed the daily or monthly check cashing limits, or the maximum balance allowed on your card.

Why can't I take a picture of a check to deposit? ›

To take a valid picture of your check, clear the area around your check before you take a photo of it. If your check is attached to a pay stub or piece of paper, detach it before taking a photo. Any stray items in the image can cause your check photo to be rejected.

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.

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.

Government Checks: Checks from federal and other government agencies generally clear faster. In-House Checks: If the check is drawn from the same bank where you deposit it, the process may be quicker. Certified and Cashier's Checks: These are considered 'guaranteed funds' and often clear faster than personal checks.

Depositing checks using your mobile device may be more accessible and less time-consuming than driving to a branch or ATM. And if you bank with an online-only bank with no physical branches, mobile check deposit is generally faster than mailing in a check. Mobile check deposit can also be easy to use.

At times, Mobile Deposit may be temporarily unavailable. This may be due to system maintenance or technical difficulties with your internet service provider and/or internet software.

Common causes of delay include: Depositing a large amount (more than $5,525) in checks in a single day. Making check deposits into accounts that are less than 30 days old. Having multiple recent overdraft charges on the account in question.

Unless a hold is placed, deposits on a business day before cutoff time will be processed that night and are generally available the next business day.