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How to Make a Mobile Check Deposit: The Quick Guide You Need

 deposit a check with your smartphone

These days you want convenient, fast, and safe services. Online and mobile banking is easy to do without having to leave the house. One of the best things about mobile banking is being able to deposit a check with your smartphone.

Do This First

Before you can make a mobile check deposit, you must set up online banking services. If you’ve already done this, skip to "Making a Mobile Check Deposit". It's easiest to set things up on your bank’s website using your computer. If you want to use your mobile device, download the app. In general, these are the things you’ll need to do.

  1. Get your bank account number.
  2. Choose a username and password. If you don't have a password manager, get one, like LastPass. You can use it for free. Without a password manager to generate a random password, you'll need to create your own. Make your password long, complex, and unique.
    • Long: Use at least 12 characters. The longer your password, the more secure it is.
    • Complex: Mix letters, numbers, and special characters.
    • Unique: This password is only for this account. Have a different password for every online account. Never use anything personal, like family names, birthdays, or phone numbers.
  3. Go to the website of your bank or credit union, or download and open the app if you're using your mobile device.
  4. Register for online access. Prompts will guide you.

Online banking has many advantages. You can:

  • Go paperless
  • Have convenient access to your account
  • Set up notifications and security alerts
  • Pay bills easier

Making a Mobile Check Deposit

Once you're set up for online banking you can start using mobile banking services. With your mobile device and an app you're ready to make a virtual check deposit. It's easy!

  1. Download your banking app to your mobile device.
  2. Sign in to your account.
  3. Sign your check.
  4. In addition to your signature, you'll need to designate the check for mobile deposit. For example, you be prompted to write something like, "For Name of Your Bank Mobile Deposit Only".
  5. Select the option for making an eDeposit (electronic deposit).
  6. Follow the directions for using your camera and depositing your check. All you’ll need to do is:
    • Capture the image
    • Approve of or retake the picture
    • Send the virtual deposit

mobile check deposit screenshot

Final Tips

  1. Keep the check until the bank posts the deposit to your account.
  2. After a check has cleared, destroy it.

Not all types of checks can be deposited with a mobile app. For questions, check with your banking institution and know their guidelines for mobile check deposits.