Individuals with bank accounts can deposit personal checks by using a mobile check-deposit app provided by a bank, but they cannot access funds until checks are verified. To use the app, a customer physically endorses the check, photographs the check, scans and remotely submits the check to the bank.
Many banks offer customers mobile check-depositing services as a convenience, and customers can download a check-cashing app to a smartphone. Be sure to download legitimate bank apps to avoid scams. These apps include easy instructions for creating digital versions of paper checks. Phones must be able to take clear photos of the check, so the digital software can identify checking account numbers, names and endorsement signatures. Mobile check submission is as secure as online banking and digitally transfers personal, business, government and cashier's check deposits.
A downside to using mobile check depositing is that funds are often not available immediately and are subject to each institution's verification waiting period. Banks typically accept remote deposits during normal banking hours up to a cutoff point, and deposited funds might show up the next business day. Banks also impose restrictions on using mobile check depositing based on the age of an account. New accounts of less than 30 days are sometimes ineligible for the service.