Mobile Check Deposit Basics

Here’s how to deposit a check with your smartphone

Finding time to visit your financial institution during business hours to deposit a paper check isn’t always easy. Fortunately, you might have access to a 24-hour mobile check deposit option. If you have a smart device with a camera and a Wi-Fi or mobile data connection, this is a fast, convenient, and secure way to deposit funds into your account.

What is a mobile check deposit?

With mobile check deposit, you use a mobile app to send an encrypted digital image of your check to your financial institution. Once you’ve completed this process and the check clears, your financial institution will place the amount in your account just like it would with a regular paper check. Some institutions place restrictions on the amount of money you can deposit online and limit the types of checks that are eligible, so be sure you understand these limits, which may vary from bank to bank.

How does mobile check deposit work?

To take advantage of online check deposit, you’ll first need to download your financial institution’s app to your smartphone or tablet. Once you’ve logged in, navigate to the mobile check deposit tool. Follow the instructions for endorsing your check. The app should then guide you through the rest of the process. This typically includes entering the amount of the check, selecting which account you want to deposit it in, and using an in-app feature to take a photo of the check’s front and back. After verifying the check number and amount, you’ll follow a step to complete the deposit. Depending on your financial institution’s policies, you may also need to wait until the next business day to access your funds. Once the deposit is complete, follow your institution’s instructions for marking, saving, or shredding the paper check.

Is online check deposit safe?

With proper safety and encryption procedures in place, mobile check deposit is a secure process. However, you’ll still need to follow the usual steps to protect your information and reduce the risk of fraud. It’s important to use a unique password and update it regularly, use multifactor login authentication if it’s available, and keep your smart device secured. And remember, don’t make a mobile check deposit or other financial transactions using public Wi-Fi.

Try Mobile Check Deposit Today!

Mobile check deposit is an incredibly handy and easy-to-use service, and it’s free for all Washington Trust Online Banking customers. To learn if it’s right for your needs, talk to a Washington Trust Banker today, or click here to learn more about our digital banking services.