How to Deposit a Check

Whether you’ve received a paycheck, a personal check from a friend, or a cashier’s check from the bank, there are several ways to deposit the funds into your account.

While you would have had to go to a physical bank branch at one time, today that’s not necessarily the case. The following guide explains three ways to deposit a check to ensure your money ends up in your account quickly and securely.

Mobile Bank Deposits

The mobile check deposit process allows you to submit your checks using a tablet or smartphone anytime, almost anywhere. While each bank’s mobile banking app may operate differently, the process generally follows the same steps.

1. Download and Access Your Bank's App

First, you must download your bank's official mobile app from the app store before you can deposit your check. Once the app is installed, open it and log into your account using your credentials.

2. Endorse Your Check

Endorse your check by signing your name on the back using black or blue ink. This signature is essential for verifying the authenticity of the check.

Below your signature, write "For mobile deposit only" or "For deposit only at [Your Bank Name]." Some checks have a printed checkbox for mobile deposits. However, this doesn't replace the need to write the above phrase.

3. Navigate To Deposits On The App

Look for an option that says "Deposit" or "Deposit Checks" within the app and select it.

4. Choose The Appropriate Account

Select the bank account where you want the check's funds to be deposited.

5. Confirm or Enter The Check's Amount

Some mobile banking apps will automatically populate the deposit amount and others will require you to manually enter the amount. Either way make sure the exact dollar amount of the check is correct.

6. Capture Check Images

Take clear photos of both the front and the back of the endorsed check using your device’s camera through the banking app. To ensure the image is clear, place the check on an uncluttered surface with a contrasting color. For example, place a white check on a dark-colored table before taking the photo.

7. Review and Confirm Your Transaction

Before submitting your mobile deposit, double-check the details you've entered, making sure they match the check's information. Once you’ve confirmed everything looks correct, tap "Submit" or a similar button within the app to finalize your deposit.

8. Hold Onto Your Physical Check

After successful submission, keep the paper check until you can verify that the full amount is deposited into your account. This allows time for the funds to transfer and serves as a backup in case any issues arise.

ATM Deposits

Automatic teller machines (ATMs) were once primarily used for cash withdrawals, but today they’re also a convenient way to deposit checks, either singly or in batches. Each ATM may work slightly differently; however, the process generally involves the following steps.

1. Find A Suitable ATM

Search for an ATM that explicitly states it accepts deposits. Using an ATM within your bank’s network can help you avoid fees and ensure a seamless process. Also, always prioritize your safety by choosing a machine in a well-lit and secure location.

2. Have Your Debit or ATM Card Ready

Ensure you have your debit or ATM card, as you'll need it to initiate the deposit transaction.

3. Endorse Your Check

Before using the ATM, sign the back of your check to authenticate the deposit.

4. Initiate The Transaction

Insert your card into the ATM and follow the machine's instructions. Some might require a quick insert-and-pull technique, while others might ask you to leave the card in until prompted to remove it.

5. Navigate To The Deposit Option

On the ATM's main menu, choose "Deposit" or a similar designation to begin the process.

6. Select The Deposit Account

Choose the account in which you want the check funds to be deposited.

7. Enter The Check Amount

Some advanced ATMs can scan and recognize the amount written on the check. If not, you'll need to manually input the dollar amount.

8. Insert The Check

Depending on the machine, you might have to place your check into a provided envelope. However, many modern ATMs allow you to directly insert the check without an envelope. Follow the screen prompts to ensure proper placement.

9. Confirm The Deposit Details

The ATM will usually display the check's amount for verification. Make sure what you see on the screen matches what you expect, then confirm.

10. Complete The Transaction

Answer any subsequent questions that appear on the screen. Once you've completed the process, collect any receipts and your card. If you combined the deposit with a withdrawal, don't forget to collect your cash.

Local Bank Branch Deposits

If you prefer to do your banking in person, you can visit your local bank branch to deposit your check. Here are the steps you’ll need to follow.

1. Bring Your Identification

Before you head to the branch, make sure you have a valid form of identification, such as your driver’s license or a U.S. passport. This is used to confirm your identification and safeguard your transaction.

2. Have Your Debit Card Ready

While depositing a check without a debit card is possible, having one can streamline the process. Tellers often use your debit card to quickly access your account details, making the transaction more efficient.

3. Complete A Deposit Slip

You may have received deposit slips pre-printed with your account information when you first opened your bank account. However, if you don’t have a pre-printed deposit slip, you can get a blank one from the bank. Fill in your name, account number, date, and the amount you're depositing. If you're unsure about any of the fields, the teller may be able to assist.

4. Endorse The Check

Turn the check over and sign your name on the endorsement line located on the back of the check. Sign your name exactly as it appears on the front of the check. Be sure to use the same signature style you used when you opened your bank account. Otherwise, if the signature is significantly different, you may face complications with the check deposit.

5. Meet With The Bank Teller

Now that everything is prepared, you can head up to the counter or the drive-thru line to meet with the bank teller. Be ready to present them with your ID, debit card, deposit slip, and endorsed check. Let the teller know how much you wish to deposit and whether you would like any cash back.

6. Review Your Receipt

After the teller has processed your check, they'll provide a receipt summarizing the transaction and cash if you requested it. Review the receipt carefully to ensure all details are correct and count any cash provided. If everything looks good, you've successfully deposited your check.

Direct Deposit

If you prefer to automate your paycheck deposits, you may choose to take advantage of direct deposit. This allows your employer to deposit funds directly into your bank account without providing you with a paper check. To set up a direct deposit, you'll generally need to ask your employer for a direct deposit form, complete it with your account information, and submit the completed form back to your employer. In some cases, you may also need to provide a voided check or a deposit slip.