How to Set Up Mobile Check Deposit on Your Phone

Deposit checks from your phone using your bank's app — no trip to the branch or ATM required.

In this guide (6 steps):

1.Download your bank's app
2.Find Mobile Deposit
3.Endorse the check
4.Enter deposit details
5.Photograph front and back
6.Submit and keep the check

Download your bank's app

~15s

Open the App Store or Google Play Store, search for your bank's name, download the official app, and sign in with your online banking credentials.

Find Mobile Deposit

~15s

Look for "Deposit" or "Mobile Deposit" on the home screen or navigation menu. Your bank may take a day to activate this feature the first time.

Endorse the check

~15s

Sign the back of the check and write "For Mobile Deposit Only" below your signature. This endorsement is required by federal regulations.

Enter deposit details

~15s

Tap "Deposit," enter the exact dollar amount on the check, and select which account receives the deposit.

Photograph front and back

~15s

Place the check on a dark, flat surface under good lighting. Hold your phone steady above it and let the app capture clear photos of both sides.

Submit and keep the check

~15s

Review images for clarity and tap "Submit." Funds arrive in 1 to 2 business days. Keep the paper check for 30 days, then shred it.

You Did It!

You've completed: How to Set Up Mobile Check Deposit on Your Phone

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Mobile check deposit lets you deposit a paper check into your bank account by taking a photo of it with your phone. Nearly every major bank and credit union offers this free feature. Download your bank's app from the App Store or Google Play Store and sign in with your online banking credentials.

Look for "Deposit" or "Mobile Deposit" in the app. The first time, your bank may take a day or two to enable the feature. When ready, endorse the back of the check with your signature and write "For Mobile Deposit Only" below it — this is required by federal regulations.

Tap "Deposit," enter the check amount, select your account, and photograph the front and back of the check. Place the check on a dark, flat surface under good lighting. Hold your phone steady directly above it. Review the images for clarity, then tap "Submit." Funds are typically available within 1 to 2 business days.

Keep the physical check for 30 days after depositing, then shred it. Never deposit the same check at an ATM or branch — double-depositing causes serious account problems.

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