To make sure your mobile check deposit gets accepted without any issues, you’ll want to take a clear photo and know what types of items are accepted.
How to take a picture of your check
Taking a readable picture of your check can make the difference between your mobile check getting accepted or rejected – and that money getting into your account faster.
Here are some pointers on photographing your check:
- Place the check against a dark, solid surface.
- Use good lighting, like a bright artificial light source or natural light coming from a window.
- Check the focus on your camera.
- Keep all four corners of the check in the photo.
- Deposit checks that are wrinkle- and crease-free.
Items that are not eligible for mobile check deposit
To spare you from going through unnecessary trouble, learn what types of checks aren’t eligible for mobile check deposit.
You can’t deposit money orders, traveler’s checks, savings bonds, starter or temporary checks, or non-negotiable instruments (promissory notes).
On the other hand, you can deposit personal checks, business checks, cashier’s checks, and government-issued checks (i.e., stimulus checks and tax refunds).
Mobile check deposit best practices
Here are some tips to keep in mind when using our mobile check deposit feature:
1. Double-check your signature. When endorsing a mobile check deposit, look over the name on the front of the check to make sure it’s exactly the same as the name you sign on the back.
2. Stay within the “Endorse Here” section. The endorsement area is usually on the top back of the check. Do your best to keep your signature on the line – along with other relevant information – when signing a check for mobile deposit.
3. Wait to endorse the check. For security purposes, you’ll want to hold off on endorsing your check until you’re ready to make the deposit. When a check is endorsed, it can be cashed or deposited by anybody – even if that person isn’t you.
