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How to Mobile Deposit a Check with Your Bank or Credit Union

Life is busy, and mobile check deposit can be a big time saver. It can take some practice to learn the ropes of this convenient feature and ensure that you’re doing it right. To help you out, we’ve compiled a step-by-step guide for how to mobile deposit a check with your bank or credit union, along with some important facts you need to know about this handy feature.

Remember when you had to drive to a bank or credit union branch just to deposit a check? Those days are (thankfully) in the past. All big banks, online banks and most community banks and credit unions now offer mobile check deposit, a banking feature that allows you to deposit checks remotely through your smartphone or tablet. You can cross an errand off your to-do list without leaving home!

Mobile check deposits are a safe and convenient way to add funds to an account with just a few clicks; however, if you aren’t informed on how it works, things can potentially go wrong. The check may not clear, the numbers might be incorrect, and you can be left wondering if your deposit actually went through.

Below, we’ve compiled a list of tips for utilizing mobile check deposit at your bank or credit union along with important information to know about this feature. You can also view our Mobile Check Deposit video specific to the Desert Financial mobile app.

Getting Started

Before making a mobile check deposit, you’ll need to have your online banking and mobile banking app set up. If you don’t already have a login and password, you can sign up for online banking through your bank or credit union’s website and then download their mobile banking app on your smartphone or tablet. Once you’re in the mobile banking app, choose “Deposit Check” from the menu.

Enter Information

Depending on your bank or credit union, you may need to input information about your check at this point. This can include the exact check amount, the designated account for the deposit and a note to yourself about the check.

Prepare Your Check

The app will guide you to capture an image of the check in a clear picture.

First though, you’ll need to endorse the check with your signature. It’s also a good idea to write “for mobile deposit only” under your name in the endorsement area.

Next, place the check on a clear, dark background. Make sure the entire check is in the frame. Most mobile banking apps will automatically snap a picture as soon as the check is positioned correctly. You’ll then be directed to flip the check over and do the same for the back.

Confirm the Deposit

After sending the image of the check, you’ll be asked to confirm the deposit amount. Look twice to make sure the amount is correct, especially if it’s handwritten on the check. Once you’ve verified the amount, the check will be set for deposit into your account — just as it would have been if you made the deposit at the actual branch.

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.
  • A check that is deposited remotely is not guaranteed to clear. Like any check, it can be rejected a few days after it’s deposited.
  • 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 check will not be stored on your phone.
  • It’s best to hold on to the paper check until you can be sure that the deposit went through. After that time, you may opt to shred the check for safety or place it in a secure file until you are comfortable shredding it.

Utilizing the mobile check deposit feature from your bank or credit union is an easy way to avoid having to go out for an extra errand. With Desert Financial’s top-rated mobile banking app, you can remotely deposit a check anytime and from anywhere. Now that you know how to use this feature and some important information about the process, you’ll likely get the hang of it quickly.

Bank with a Click, Tap and Scroll

At Desert Financial, we love seeing members in person! We also want to make your banking fast, easy and convenient with online and mobile banking. Learn how to harness the latest online and mobile banking tools to manage your money better.


The material presented here is for educational purposes only and is not intended to be used as financial, investment, or legal advice.