Many people and businesses are in the habit of paying individuals by check. Once you receive your check, now you have to take the time out of your day to go down to the bank and deposit them.
The problem is that a lot of things can happen between the time that you receive a check and the time that it becomes deposited, such as becoming damaged or lost.
Then when you do finally make it down to the bank with a pile of checks to deposit, you sometimes have to wait a couple of days for the check to clear and the money to become available in your account.
The solution for this is Mobile Check Deposit, which is being offered by banks and bank apps these days. With mobile check deposit, you can deposit a check from anywhere using a smartphone or tablet.
Mobile check deposit is offered by most banks on their mobile app that allows you to take a picture of a check and have it deposited in your account. It would be just like if you drove down to the bank and deposited it yourself, but without all the hassle.
Being able to deposit a check online is now the future. With technology becoming better and faster every day, more banks will be able to offer this mobile check deposit feature and make the lives of their customers easier.
Now that you are a little more familiar with the mobile check deposit feature, below are some examples of the big banks that have mobile check deposit available as a feature for their customers.
You will also find links to the featured bank’s website to read all of the details yourself, and if applicable a link to your preferred app store to download your bank’s mobile check deposit app.
Chase Mobile Check Deposit
Chase has a “QuickDeposit” function on their mobile check deposit app that allows account holders to deposit checks with a smart phone or tablet. Chase Mobile Deposit is simple and straightforward and their website evens offers a demo video for you to watch to make the process that much easier.
Here are the options where you can find the Chase Mobile App.
Bank of America Mobile Check Deposit
Bank of America offers online check deposit on their mobile app for their banking customers. They also offer a video demo on their website to show you how easy it is to use the app to deposit checks into your account. BoA allows you to just enter which account you have and provide your cell phone number, and you will be given access to the BOA mobile check deposit app.
Wells Fargo Online Mobile Check Deposit
The Wells Fargo mobile deposit app allows you to directly deposit checks into your checking or savings account using an Apple or Android device. Their website offers a video demo on how the Wells Fargo mobile app works and they also give detailed instructions on how the Wells Fargo mobile banking and Wells Fargo check deposit works.
Click below to go their apps now!
Citi Bank Mobile
Citi Bank offers their Citi mobile app that allows you to deposit checks that you have into the account that you choose. Citi has literature and a video on how the process works and also offers a link to the Apple and Android app stores to make downloading the Citibank app quick and easy to be on your way to photo check deposits with your device.
SunTrust Mobile Banking
SunTrust Bank offers their Suntrust app to easily deposit checks whenever and wherever you are. SunTrust explains how everything works. They provide links to your available app store as well as give you a number that you can text and receive a link in return that will allow you to download the Suntrust online banking app.
Regions Mobile Banking
The Regions Bank online mobile app offers mobile checking deposit using their mobile app, which is available in various app stores. Regions’ includes all of the Regions mobile deposit details on their mobile banking page. Which is nice because you can find all of your mobile banking needs in one place. You can find links to your given app store when you expand the mobile app menu on their website for easy downloading.
USAA Mobile Banking
USAA Bank has their Deposit@Mobile option on their mobile app. Just click on this option while in the USAA mobile app and follow the instructions to make depositing your check simple and easy.
Find the mobile app for you below.
PNC Mobile Banking
PNC Bank has a whole host of mobile banking features including mobile check deposit. PNC is great and offers a video on how the PNC mobile app check option works as well as gives you links directly to your app store for easy downloading.
Charles Schwab Mobile Deposit
If you have a Charles Schwab Bank brokerage or banking account, making deposits is simple and easy using the Charles Schwab mobile app for mobile check deposit service. You have to apply for this service and Charles Schwab offers literature and details to show you how the process works. Mobile apps are below.
If your bank does not offer mobile check deposit as a feature with your account then you can sign up for a free PayPal account. The PayPal mobile app allows you take pictures of your checks and then deposit them into your account. You can then link you checking account to your PayPal account and transfer the funds over.
The only problem is this process adds a significant amount of time for the funds to become available in your checking account, because of the time it takes the check to clear in your PayPal account and then the time that it takes to transfer the funds over to your personal account . But, it still gives you the ability to deposit checks from anywhere anytime you want. Grab their app below.
Mobile check deposit is a feature that will soon become a standard for all banks and something that their customers will get more comfortable using. If your bank is not listed here then check their website or contact a representative about their mobile banking options.
And if you’re looking for a checking and/or savings account, Casavvy lists the best checking and savings accounts that can earn you more interest and save you money on fees. Let Casavvy help you find the best option for the money you save, for more information contact us today!