Mobile Check Deposit | Cash a Check Online (2024)

FAQs

How can I mobile deposit a check online? ›

The top instant check cashing apps without verification include Ingo Money, Brink's Money, PayPal, Venmo, Cash App, Chime, and Flare Account. These apps allow you to quickly cash checks by taking photos with your phone for deposit into bank accounts or prepaid cards.

Most major banks also offer an app that allows you to instantly deposit scanned checks by taking a picture of them. You can use this app to deposit your printed check or the digital version. Some services allow you to instantly deposit emailed checks by entering your banking information into a secure online form.

Open your banking app and choose the deposit option. You will be prompted to fill in the required details, sign at the back of the eCheck, take clear pictures of the front and back of the eCheck, and then submit your deposit. Another viable option is to use an electronic payment app or web browser.

You can deposit a check for someone else using a mobile bank app, but you'll need the person's account information. Typically, when making a mobile deposit, you have to log in to the bank account, take pictures of the front and back of the check, and indicate the amount being deposited.

Try Visiting the Check Writer's Bank

The safest and fastest way to get cash is to take your check to the check writer's bank. That's the bank or credit union that holds the check writer's funds, and you can get the money out of their account and into your hands instantly at that bank.

There are two options for depositing checks with Cash App: Standard deposit: This is free and takes 1-3 business days for the funds to be available in your account. Instant deposit: This option makes the funds available immediately, but there is a fee of 5% of the check amount (with a minimum fee of $0.25).

Think PayPal, Venmo, or even Cash App. They've proved their mettle in delivering faster, maybe even instant, access to your cash, minus the extra fees or a third-party involvement.

Take photos of the front and back of the check with your smartphone — just select the Front of Check and Back of Check buttons. Select the account to receive the deposit, enter the amount and tap Next. After confirming the details, tap Submit.

Deposits initiated after 4 PM EST will not be processed until the following business day. In some cases, it can take a few days longer than expected, depending on your bank and the Automated Clearing House (ACH) Network. As you continue to use Current, your deposits may be eligible to settle instantly.

Is Chime Mobile check deposit instant? ›

The typical Chime mobile check deposit time ranges from 3 to 5 business days, though you could see the check clear even faster. In general, mobile check deposit is not ever instant, no matter the bank; large checks generally take longer to clear.

Standard deposits are free and arrive within 1-3 business days. Instant Deposits are subject to a 0.5% -1.75% fee (with a minimum fee of $0.25) and arrive instantly to your debit card.

What is mobile check deposit and is it safe? Consumers can save time by depositing checks remotely. Instead of bringing a check to the bank, mobile check deposit allows you to snap pictures of the front and back of a check, upload them to an app and deposit the check digitally.

Many popular banks such as Ally Bank, Axos, SoFi and PNC offer instant mobile deposit availability. The fastest way to deposit a check is usually via your bank's mobile app, with funds being available the same day or a couple days later—it depends on the bank.