Deposit Cheques in the mobile banking app (2024)

FAQs

Why won't my bank app let me deposit a check? ›

The most common reason why your mobile check deposit is not working is because you forgot to sign the back of your check. Before you take a picture, make sure you're always endorsing your check. That way you don't have to go back and start the process over again.

Be sure to take a clear picture of both sides of the check. If the images of your check aren't captured clearly, this could result in a delay of depositing the check. Use may decide to use a dark background to lay your check against so that it captures the lighter color (image) of your paper check.

Reasons that deposit items may be declined include ineligible or non-negotiable checks, missing signature or missing endorsem*nt, a stale or post-dated check, poor image quality, daily or monthly deposit dollar amount exceeded, or an unacceptable item.

Check was not written to you, as your name appears on your Ingo^® Money account. Check was not endorsed. Amount of the check is less than $5 or more than $5,000. Amount of the check will cause you to exceed the daily, weekly, or monthly funding limits for your card.

Bank Policies May Pose Challenges

Some banks make check verification difficult or impossible. They may require you to visit a branch in person. Or, they may only verify the account exists, not whether it has any funds, in order to protect their customers' privacy.

When you submit your check through a mobile deposit, you may be able to have access to some of the funds within a few minutes to the next day, depending on your bank or credit union. Some banks will allow a small amount of the money to be available before a check is cleared, usually around $200.

Three basic components are required for mobile check deposits to work. A banking app uses a phone's camera to scan the check. An internet connection is required to transmit the information captured. And a service provider such as a bank or credit union for the check to be deposited.

Why is my check not being accepted? ›

Some reasons why a bank won't cash a check include not having a proper ID, not having an account with that bank, the check is filled out incorrectly, or the check being too old. Ensure you comply with all the required criteria before attempting to deposit a check.

There are a number of reasons why checks may not be able to be deposited using the mobile app: Folded or torn corners. The front image is not legible. The amount entered doesn't match the amount read by the scanning software.

When a check is returned due to NSF, it's returned to the payee that deposited the check, at their bank. This allows them to redeposit the check at a later time, if available.

The main reason banks refuse to cash checks is due to insufficient funds, but checks can be rejected for other reasons, too, including unreadable or invalid account and routing numbers, improper formatting, a missing or invalid signature, or the elapse of too much time since the printed date.

Check with your income provider to be sure they have the correct account and routing numbers for you on file and ask about possible delays on their end. Also, consider any recent or upcoming holidays that could affect the timing of your deposit.

Common reasons an ATM does not accept some checks are: The routing and transit number is not encoded with magnetic ink. (The cashier cannot recognize checks without magnetic ink, as in the case of checks printed out of the house) The routing and transit number of the check is invalid.