Save time with mobile check deposit

It’s easy, fast and convenient.

Deposit a check from your phone anytime, anywhere. Mobile check deposits are a safe and simple way to add funds to your account with just a few clicks.

You can do it in three easy steps:


INSTALL the Desert Financial Mobile App on your phone and log in.

For more information on our mobile app and installation instructions, check out this blog.


SELECT “Deposit Check” from the menu.

The menu is located at the bottom of the screen on Apple and Android devices.


DEPOSIT your check.

  • After you select “Deposit Check,” the Mobile Deposit screen displays.
  • Select your account from the drop-down menu in the “Deposit account” field, enter the dollar amount of the check and tap “Confirm amount.”
  • Tap “Front of check” to activate the device’s camera. Center the front of the check in the box on the screen and wait for autocapture.
  • Repeat the process after tapping “Back of check.” Checks must be endorsed clearly, or you will be prompted to retake a photo.
  • Tap “Submit deposit.”
    Most mobile deposits may take up to 15 minutes to reflect in your account.
    Some deposits may require manual review.
  • The “Success” window and confirmation number display. You will also receive a confirmation email if you have a valid email address on file.

Watch this video for a step-by-step guide to our mobile deposit process.

How to deposit a check using our mobile app

Deposits - How to Deposit a Check - Youtube Video

What to know

While the process of making a mobile deposit is fairly simple, there are aspects of this banking feature that are important to know before getting started:

  • There is generally a limit on the amount you can deposit remotely.
  • Like any check, it can be returned after it's been deposited and the funds are made available to you.
  • The funds you deposit may not be immediately available, especially if you’ve made your deposit after normal banking hours.
  • For security reasons, the image of the deposited check will not be stored on your phone.
  • It’s best to hold on to the paper check until you confirm the deposit went through. After that, you may want to shred the check for safety or place it in a secure file until you are comfortable shredding it.

Utilizing our mobile check deposit feature is an easy way to avoid having to go out for an extra errand. With our top-rated mobile banking app, you can remotely deposit a check anytime and from anywhere.