If you want to deposit a check, you no longer have to head to your bank to do so. You can make a deposit into your bank account from the comfort of anywhere — as long as you have your phone with you.
You Need to Download the Right App
Mobile deposits are all about using apps. In order to make a mobile deposit, you need to use a mobile app for your phone. Most banks do not accept mobile deposits over their website, meaning that you must use the specific app for their bank. The distinction between the app and the website is generally because the bank can create a more secure environment within its own app.
You Need a Secure Wi-Fi Connection
To use the app, your phone will need to be connected to a Wi-Fi network, or you will need to have a data plan with your wireless carrier in order to sign into the mobile banking app and access the ability to make a mobile deposit.
You Need to Have Set-Up Mobile Banking
Next, you need to have set-up mobile banking on your phone. The exact process for setting up a mobile banking account varies from bank to bank, but you will generally need to verify your identify and create a mobile account.
You Have to Endorse the Check
You still have to endorse the check, just like you would if you took the check to the bank. Be sure to sign the back of the check
You Will Have to Take a Picture of the Check
Next, you need to take a picture of the check. You need to have a phone that you can take a picture with. You will have to take a clear picture of the front and back of the check. If your phone supports it, you may want to use the document setting to get the clearest picture possible.
You Will Have to Enter Information About the Check
Most mobile banking apps will also have you enter specific information about the check into the app. For example, you may have to enter the amount of the deposit and the name of who the check is from. Most mobile banking apps only accept one check per deposit but will accept multiple deposits in a single day.
Most mobile banking apps will allow you to deposit personal, business, and payroll checks. In general, you cannot deposit money orders, savings bonds, third-party checks or foreign traveler's checks through mobile banking apps. Mobile banking apps make it easier to get your money into your account and get access to your money quickly.
With these tips, you'll be able to make deposits to your bank without even having to leave the house. Go you!Share