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It Takes Just A Few Simple Steps To Deposit Your Check At Your Bank Branch Or Credit Union An Atm Or Via Your Mobile Device

How to Deposit Checks with the Mobile Banking App

Been handed a check and youre not sure what to do with it? You can transform that little piece of paper into spending money by either cashing your check or depositing it into a bank account.

If youd prefer to deposit the funds into a bank account, youve got a few options depending on the options available from your bank or credit union. You can go the more traditional route: visiting a physical bank or credit union branch, or stopping by an ATM. Or if youd rather avoid the extra errand, you may be able to use a mobile banking app on your smartphone or tablet to deposit your check electronically.

Tips For Using Mobile Deposit

  • Take photos in a well-lit area
  • Place check on a dark surface
  • Be sure only the check is in the photo
  • Make sure the whole check is visible in the guidelines leave a small amount of space between the guidelines and the edges of the check
  • Give the camera time to focus before taking the photo being too close can make the check image blurry
  • Tap the center of your screen to get a clear picture
  • Make sure the check isn’t folded or torn

If you need assistance with using Mobile Deposit, please call Client Care at .

Checks deposited using Mobile Deposit are available for withdrawal based upon our typical funds availability policy. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday , we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.

Are You Using A Mobile Banking App For Check Deposit Yet

Signing up for direct deposit can save you time, but mobile check deposit comes in super handy if you receive a paper check, like a tax refund or stimulus check.

So, if you arent taking advantage of mobile check deposit yet, consider signing up. Youll soon learn just how convenient it is!

Read Also: Is Regions Bank Open On Saturday

How Does Mobile Deposit Work

Its convenient and easy to use.

Sign on to the Wells Fargo Mobile® app, then follow these simple steps:

  • Select Deposit in the bottom bar.
  • Choose the account you want to use for your deposit.
  • Enter the amount of your check.
  • Sign the back of your check and write For Mobile Deposit at Wells Fargo Bank Only below your signature .
  • Take a photo of the front and back of your endorsed check with your mobile device. For photos that work best, follow these guidelines: a. Place your check on a dark-colored, plain surface thats well lit. b. Position your camera directly over the check . c. Fit all 4 corners in the guides of your mobile devices camera screen.
  • Submit your deposit.
  • Youll receive a confirmation message on your mobile device for each successful deposit. Plus, well send a deposit confirmation to your primary email address and your Wells Fargo Online® Message Center secure mailbox.

    Securely store your check for 5 days after your deposit, and then destroy it. This allows sufficient time in case the original check is required for any reason.

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    Take Checks Over The Phone

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    Many Of Us Have Caught Onto The Convenience Of Depositing Checks Without Needing To Go Into A Bank

    It saves us time, saves us a drive, and adds convenience to our growing repertoire of online banking solutions.

    But what happens if we run into issues while using mobile apps for depositing our precious money? Do we have to call Support right away, or are there ways we can troubleshoot these issues ourselves quickly and seamlessly?

    If youve ever run into issues when using mobile check deposit features, weve got you covered with some quick tips.

    Why Do I Not See The Deposit Checks Option On My Apple Device

    If your camera is turned off and/or you have not given the Wells Fargo Mobile app permission to access your camera on your device, you will not be able to see the Deposit Checks option.

    Mobile deposit is available only on the Wells Fargo Mobile app. If you are using the mobile browser, this feature will not be available.

    To verify your settings with the Wells Fargo Mobile app:

  • Tap on Settings.
  • Read Also: Ibc Bank Mobile Check Deposit

    What Affects Your Options

    Your ability to see your checks and obtain a copy of checks depends on your bank’s policies, the type of checking account you have, the different types of checks you write and what preferences you’ve set up. For example, with some checking accounts, you can just log in, go to your transactions and see a check image. With other accounts, you need to either pay a fee per image or month, or meet certain balance minimums.

    For example, Bank of America charges a $3 monthly check-imaging fee on its basic checking account if you want to get images of your checks on the paper statements sent to your home. If you opt for one of their upgraded checking accounts , check imaging is free.

    Read More: Check Deposit Rule

    Use A Plain Dark Background

    TD Mobile Check Deposit – as Easy as Taking a Picture

    “A light check on a white table is very hard for the computer to see,” Helcl says. Busy patterns even the speckly grain of a granite kitchen countertop make a bad background for a check photo. One rejected check that Helcl examined had been photographed “on top of a plastic bag of walnuts that was on a Batman print tablecloth,” he says. All the reflections and angles made for a terrible photo and a failed deposit.

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    Scanning The Check Using Only The Smartphone

    Select Scan Front of Check with the App. The app will almost certainly change to landscape orientation. Orient your phone so that its long axis is parallel with the long axis of the check.

    Place the phone on the check with the phone’s camera in the exact center. Then, using both hands, raise the phone very slowly, being careful to keep the phone level and raise it straight up. When the entire check is visible to the app, the app’s autocapture feature will take the picture. In most cases, you will know that the picture has been snapped because you will hear VoiceOver say “Portrait” when your phone is returned to portrait orientation. I have been successful with this method but it usually takes quite a few tries.

    If the app does timeout, there is usually a Retry Autocapture button and a Manual Capture button. Wells Fargo didn’t seem to mind how many times I retried the autocapture. I found the Manual Capture considerably more difficult because I had to decide myself when to take the picture, and double tapping on the Take Picture button was not easy while holding the phone with two hands and trying not to move it very much.

    Benefits Of Credit Union Surveillance Equipment

    Prevent robberies Banks continue to be high-stakes targets for criminals looking for a big payout. The proper bank video surveillance setup can help to deter robberies, orin a worst case scenarioprovide important images and evidence to law enforcement.

    Crime investigation In instances of robbery and fraud, recorded bank security camera images can be used to identify and track down suspects.

    Prevent check fraud IP video surveillance systems with advanced video analytics such as facial recognition are helping to fight the problem of check fraud at banks by recording transaction data and capturing images of offenders. This information can be used to identify criminals and helps in protecting customer accounts.

    Combat “phantom ATM withdrawals” It’s not uncommon for bank customers to report suspicious ATM withdrawals where money has been taken from their accounts without their knowledge. Bank security cameras which record every ATM transaction can provide answers.

    Coordinate info from multiple locations Modern bank video surveillance systems allows footage from multiple branches to be transmitted to a central monitoring room, or viewed over the Internet.

    Integration with alarm systems With modern surveillance systems, bank security cameras and alarm systems can be integrated into a single network.

    Remote access IP surveillance allows for remote monitoring of live and archived video footage from any computer with an Internet connection and access to the network.

    Read Also: Regions Bank Black Friday Hours

    Difficulty Making Mobile Check Deposits Heres Why

    Mobile check deposit is a feature many of us love when we can get it to work. Below are a few tips if you experience issues with completing your Mobile Check Deposit:

  • Always Endorse a Check Before Depositing Be sure that your signature is endorsed on the back of the check. In addition to your signature, you may want to write your account number on the back of the check, and For Mobile Deposit Only under your signature.
  • More Than One Payee on a Check If there are two people listed on the check, you will need to include both of their signatures to endorse the check properly. So dont forget to include both signatures.
  • Images Are Blurry Be sure to take a clear picture of both sides of the check. If the images of your check arent captured clearly, this could result in a delay of depositing the check. Use may decide to use a dark background to lay your check against so that it captures the lighter color of your paper check.
  • Amounts Dont Match Be sure that you type the correct deposit amount into the app before you take a picture of the check. If these amounts do not match, the check amount cannot be verified, so you will not be able to make the deposit.
  • No Payee Indicated If the Paid to the Order of line is blank on the check, you will not be able to deposit the check. Before attempting to deposit a check, be sure that all crucial areas of information are written down such as payee, check amount and payers signature.
  • How Does Mobile Check Deposit Work

    Order New Checks on Address Change in USA?

    Mobile check deposit works using remote deposit capture technology. When you take a photo of your check, its similar to scanning a photograph or document to make a digital copy on your computer.

    The Check Clearing for the 21st Century Act allows banks to accept substitute checks for deposit if theyre the legal equivalent of a physical check. Thats what remote deposit capture allows forthe substitution of a digital form of your check for a paper one.

    Once you scan and upload the photos of your check and submit your deposit request, the information is encrypted and transmitted to your bank. The check then follows the standard steps for processing and clearing so the funds can deposit to your account.

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    What Are Some Tips For Making A Mobile Deposit

    • Ensure that the surface contrasts with the color of the check. A solid dark background against a white/light colored check works best.
    • Make sure that you have ample lighting and avoid using the flash on your camera. If the camera is triggering the flash, then you need more light. Also, be careful of any shadows being casted on the check if using lighting from directly overhead.
    • Ensure that your camera lens is clean. Clean your camera lens with a soft cloth and some glass cleaner. Pocket lint and dust can build up on camera lens which can degrade photo quality.
    • Once deposited, keep your check in a secure area for at least 2 weeks to ensure that your deposit has been credited to your account. Once you confirm it has been deposited, destroy the check.

    Bank On The Go It’s Fast Easy And Secure

    Manage your finances anytime, anywhere with the TD Bank app and mobile deposit.

    Get more with the TD Bank app

    As an Online Banking customer, you can download the TD Bank app and bank right on your smartphone and tablet. It’s secure, convenient and no cost to you. Our app has the highest standards for security, plus it’s fast and easy to use. View deposits, loans, credit card, debit purchases and account balances, plus pending transactions, account history and statements all in real time. Make transfers, deposits and bill payments, or find the nearest TD Bank or ATM, including directions. Plus there’s more: report a lost or stolen card, get answers to FAQs or send the app to your friends.

    Mobile Deposit is easy and secure

    Now depositing checks is as simple as taking a picture. With TD Bank Mobile Deposit you can securely deposit checks right from your phone or tablet. Bank anytime, anywhere 24 hours a day, 7 days a week. Save time, gas and paper, and access your funds the next business day.1

    At TD Bank, there’s always someone to talk to about your account. Call us or come in today.

    Have questions?

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    Get Your Check Ready For Deposit

    Depositing a check online isnt exactly the same as depositing it at a branch or ATM. But you still have to sign the back of the check for the deposit to be valid. You also should make sure all the information on the front of the check is correct.

    Depending on your bank account, you may also have to write something extra on the back to denote that its a mobile deposit. For example, you may have to add for mobile deposit or for remote deposit capture below your signature.

    Also, make sure the check is legible. Your mobile device needs to be able to read the check via the camera when youre ready to deposit it.

    Your Bank Can Place A Hold On Mobile

    How to Deposit a U.S. Check Using Online Banking

    Just like a regular check, your bank can place a hold on the funds that you deposit via your smartphone. A common reason for a so-called delayed availability of funds is simply depositing your check too late in the day. If you miss the cutoff time for check deposits, then you might have to wait an extra business day for the check to clear and have access to your funds.

    Read Also: How Much Can I Overdraft Td Bank

    Tips For Using Mobile Check Deposit

    If you think mobile check deposit could be a useful banking tool, there are a few things to keep in mind when using it.

    First, review your banks funds availability and deposit limit policies, so youll know how much you can deposit and when your money will be accessible. Also, note any types of checks the bank excludes from depositing through mobile banking.

    While mobile check deposit is typically free, ask your bank whether there are any fees involved. For instance, if your bank gives you the option to make an express deposit using your mobile device, you may have to pay a fee for accelerated processing.

    Next, make sure that your signature on paper checks is legible and that the photos you take are clear. You also should double-check the amount of the check against what youve entered to avoid a mismatch when trying to submit a deposit. Simple errors like these can cause your mobile check deposit to be rejected.

    Finally, dont discard the paper check immediately. If something goes wrong with your mobile check deposit, you may need to deposit the paper check instead. Hold on to the check and, after the mobile check deposit clears, you can safely destroy the paper check or void it and keep it on file.

    Why Does The Bank Place Deposits On Hold

    A deposit hold is a period of time, usually around two business days, when the bank holds the funds you deposited by check. This delay may seem unnecessary, but it can actually help you. It helps prevent you from spending the money and then having to repay that money if the check turns out to be fraudulent or had to be returned.

    Read Also: Tdbank Overdraft

    Check Deposits At An Atm

    Depending on your bank or credit union, and the type of ATM, you may be able to deposit your check at an ATM. Just like when you visit a branch, youll need to start at an ATM by endorsing the back of the check.

    Then you can use your bank-issued debit card to access your account info, follow the prompts for a check deposit, and submit your check directly into the designated slot.

    Unlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. Just like when visiting your branch though, you may still have to wait around two business days before having access to all the funds depending on the amount of the check. In fact, it may take even longer if you deposit the check at an ATM your bank or credit union doesnt own.

    For that reason, it can be beneficial to visit an ATM owned by your bank. Staying in your banks network can also be a better choice because it may save you money on ATM fees.

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