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How to Deposit a Check Online in Banks: Limits & Fees

online check deposit

Learn more about depositing checks online. Electronic checks are preferred by many people these days, and if you are one of them, you will find this article highly invaluable for you.

We outline how to endorse electronic check deposits and also how to use a remote deposit capture scanner.

What is an Online (Electronic) Check Deposit?

An e-check is a kind of payment that a person makes through the internet using your tablet, computer, laptop, or smartphone.

It is designed to operate as the old and commonly known paper check.  Technically, since its format is electronic, it means it is easily processed as opposed to the old paper format.

Equally, it has advanced security characteristics that a standard paper lacks including digital signatures, public identification key cryptography, authentication, and encryption.

It is, therefore, rather safer to using an e-check than an ordinary paper check.

How to Deposit a Check Online

First and foremost, if you intend to make use of an online check mechanism to deposit your check, you should ensure that you have a smart device (computer, phone, tablet, or laptop) that is connected to a strong internet.

Slow internet connectivity will lead to unwanted delays while processing your check deposits.

Secondly, ensure that your check is genuine. In this age of the internet, it is easier for you to affirm that your e-check is genuine by sending the serial number to your specific bank.

This step is essential because it saves you time and prevents you from incurring unnecessary fines and visiting the courts in case your check turns out to be fake after you have deposited it.

Afterward, there are two options through which you can deposit your check online.  The first one is through the remote deposit.

It is usually advisable that you inquire about the optimal mode of depositing an e-check before choosing.  The remote deposit is acceptable in some institutions and others are not applicable.

The other alternative is through the capture method of your e-check and submitting it to your specific bank using their official mobile application.

Please note that you must confirm that the app you are using is official as there are several conmen out there who have created fake ones and may easily steal your money if you are not careful.

When using the bank’s application, ensure that you follow the steps given carefully to fasten the process of processing.

Again, ensure that you have read the terms and conditions for depositing your check online using the app to avoid cases of misunderstanding with the agents after you have successfully deposited your e-check.

Banks with Mobile Check Deposit

Well, in this digital age, you do not expect to find a bank without an application to enable their clients to easily and conveniently deposit their checks from the comfort of their locations.

However, surprisingly, some banks do not have the apps yet because of one or two reasons.  It is, therefore, up to you to find out if your bank has an official app.

In the current age, mobile check deposit is common because, in a few steps, someone would have successfully uploaded their e-checks.

The following are some of the common banks that allow you to check online.

If your bank is not listed here, it does not mean that it lacks the services. Kindly confirm with the customer care team of your specific bank.

How to deposit an online check Citibank

At Citibank, you get optimal services through their websites and their official mobile application. Deposing your e-check is easier because you have two options to choose from.

The first one is through their email-system.  Technically, if you are in a hurry and want to deposit your e-check quickly, all you need to do is send an email with an attached picture of your signed check for processing.

This option may take a little bit longer than the second option (through the app) because it is dependent on the number of people who have sent their e-check to the bank for processing and depositing.

After that, you are expected to capture the images of your e-check and upload them online.

Through the mobile application, all you are expected to do is sign in to your app, or if not registered, register first and then log in.

Once you are in, upload the e-check by following the online deposit of checks option and once you are finished confirm that all information given is correct and submit the check.

Processing will take less than 30 minutes and you will receive a notification that your check has been successfully deposited.

How to deposit an online check Santander

Santander Bank has made available numerous videos on their YouTube channel to assists its clients understand the concept of an online checking system.

For instance, this video will assist you in understanding how to deposit a check online using your mobile application app.

How to deposit a check online Capital One

Follow the following steps if you want to deposit a check online through the Capital One mobile application.

  1. Download the Capital One app from the Google Play store (if you already have the app installed on your phone, ignore this step, go to step 2).
  2. Open the app, log in, and tap your checking account.
  3. Make a deposit. Here you are expected to tap the select the deposit option.
  4. Take a picture (screenshot) of your e-check
  5. Provide the required details as indicated on the check.
  6. Confirm the details you have given and tap the submission option.
  7. That’s it – you are done.

How to deposit an online check Citibank

The process is simple, just upload your e-check to Citibank’s website and request to have your check deposited and you will be done in less than 20 minutes.

Avoid giving false information when depositing your check, it might result in imprisonment or heavy fines.

How to Deposit an online check Chase

Chase checks can be deposited through a mobile app or the Computer Scanner. Through the mobile app, it is the same steps as in any other bank.

However, through the computer scanner, you are expected to firstly insert the disk belonging to the Chase Quick Deposit scanner into your computer.

Secondly, log into your Chase Business account. In case you have forgotten your password, follow the retrieval steps to have your password restored.

Next, click on the quick deposit and then deposit checks. Click, next and scan your check and submit for deposit. The process is easier and faster when you have a strong internet connection.

How to deposit an online check PNC

At PNC you have a chance to deposit your e-check at any time from any location across the world as long as you won a smartphone, tablet, laptop, or computer.

If you have any of these gadgets, then you can deposit the checks online at PNC using their mobile app.

How to deposit a check online at Wells Fargo

Wells Fargo is one of the most popular and accepted financial institution, which allows its clients to deposit their checks online from their homes or offices.

All you need to do is visit their website and inform the customer care team that you need to check your check online, and you will be guided on the available options to use.

How to deposit a check online Sun Trust

Sun Trust has come up with an online check deposit app, which will allow you to conveniently and quickly deposit your checks using your tablet or smartphone.

All you need to do is to log in and follow the steps as you go through the depositing process.  It should not take you more than 40 minutes.

In case of any inquiries on how to it, contact the SunTrust Bank customer care team; they are always more than ready to assist.

How to Endorse a Check for Online Deposit

The online deposit check system is a convenient and faster way of depositing a check.  However, before a check is accepted, you are required to endorse it.

Now, depending on the bank, the check has an endorsement area, where you are required to sign, for instance, write “For mobile deposit only” on that area of the EECU mobile check deposit.

If you fail to endorse your check, it will be rejected and the deposit will be moved from your account.

Remote Deposit Capture Scanner?

The Remote Deposit Capture (RDC) is a framework that enables clients to scan their checks remotely and transmit the scanned images to their specific banks for deposit.

The transfer process is usually done through a secure and encoded internet connection.

References on electronic check deposits

  • 1: How To Endorse A Check For Mobile Deposit – EECU
  • 2: Electronic Check – Investopedia
  • 3: How to Deposit Chase Checks Using a Computer Scanner – Chron
  • 4: Remote Deposit Capture (RDC) – TechTarget

READ: Can you deposit a personal check onto a prepaid card?

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