How to Deposit a Check

Option 1: Use Mobile Check Deposit

Perhaps the most convenient way to deposit a check is using mobile deposit, which you can easily do whether you're at home or out and about.

Most of the mobile apps financial institutions offer have a check deposit feature. You can take advantage of it anytime, even outside the bank's operating hours.

The money may not be available to you right away (more on that later), but you won't have to make an extra trip to the bank. Here's how to use mobile check deposit:

1. Log in to your bank's mobile app. Download the app if you haven't already. Create a login and password and navigate to the mobile check deposit feature.
2. Enter the check amount. Typically, you must first input the amount of the check yourself, before scanning it to the app.
3. Choose an account. If you have multiple accounts at the institution, make sure you choose your checking account or the specific account you want to deposit the check to.
4. Endorse the check. Sign the back of the check where you see a line with an "X" in front of it. This is how you'll verify that the check belongs to you and that you permit the bank to deposit it. Your bank may also instruct you to write "For mobile deposit only" on the back of the check.
5. Take photos. The app will then provide you with a camera feature to take pictures of the check. You may have to press a button to capture a photo, or it may happen immediately when the check is oriented correctly in the camera lens.
6. Review and send. Finally, double-check that all the details are correct and the images are readable, then click "Submit."
7. Wait for verification. You'll receive a notification when your mobile deposit is processed successfully.

If the deposit fails, it may be because the photos were blurry, you forgot to endorse the check or the check was damaged. When your bank gives a clear reason for the error, try again and resubmit the deposit. But if you're unsure how to proceed, visit a bank teller or contact customer service for help.

Tip: Keep the check somewhere safe until it clears and the money is in your account. That's important in case your bank or credit union encounters any issues with the mobile deposit.

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Option 2: Go to an ATM

Alternatively, you can bring the check to an ATM and deposit it there. Here's how:

1. Endorse your check. First, sign the check on the back and write "For deposit only" to confirm the check can't be cashed elsewhere.
2. Locate an ATM. Use your bank's ATM locator tool to find an ATM in their network that accepts deposits. Not all ATMs let you deposit cash or checks, and using an in-network ATM helps you avoid extra fees when making the transaction.
3. Insert your debit card. To access your account, insert your debit card and enter your PIN. Select "deposit," then choose the account you want to deposit funds to.
4. Insert the check. Manually input the amount of the check and slide the check into the ATM. Or, verify the amount the machine shows you after it accepts the check. If you're depositing multiple checks, you may be able to do so in one go or by using an envelope provided at the ATM.
5. Confirm the deposit. Verify that everything looks correct and request a receipt.

Learn more: How to Avoid ATM Fees

Option 3: Visit a Local Bank or Credit Union Branch

Finally, you can deposit a check in person at your bank or credit union. Follow these steps:

1. Visit the branch. You can go to your local branch or any location in the bank or credit union's branch network.
2. Fill out a deposit slip. If your bank requires a deposit slip, pick up a slip and fill it out with details including your name, account number and check amount for each check you wish to deposit.
3. Endorse your check. Sign the back of the check.
4. Go to the bank counter. Bring the check(s) and the deposit slip to a bank representative. You will likely have to show a photo ID such as your driver's license, or scan your debit card, to verify your identity.
5. Confirm the deposit. Take the receipt from the bank representative and confirm that everything is correct. The amount of the deposit that's available to use will be reflected in your new bank account balance.

Learn more: Banks vs. Credit Unions: Which Is Better?

Frequently Asked Questions

The Bottom Line

Depositing a check can be a straightforward process. Whether you choose the convenience of mobile check deposit, the familiarity of using an ATM or the personal touch of visiting a bank or credit union, each option has its benefits. Familiarize yourself with your bank's policies about timelines for deposited funds so you aren't surprised if the entire deposit isn't available immediately—especially if you hope to get access to your money right away.