Frequent question: Can you mobile deposit a check with a watermark?

Yes. Checks drawn on your Account. Checks made payable to cash. Checks stamped with a “non-negotiable” watermark.

Frequent question, can you deposit a watermarked check? Non-negotiable items—attempting to deposit a check watermarked ‘non-negotiable’ can result in criminal prosecution.

You asked, can you mobile deposit a check with security features? The short answer is that mobile check deposit is as secure as your other online and mobile banking functions. This means if your bank or credit union is taking steps to protect your information, such as using encryption and enhanced security measures, then mobile check deposits should be protected in the same ways.

Also, how do I deposit a check with only a picture? Hold your device steady, directly over the check, and the photo will be taken automatically. Once both sides are captured, you can select the right account to receive the deposit… then enter the amount. After you tap “Continue”, you can confirm the details and select “Deposit.”

Amazingly, can all checks be mobile deposited? Yes. Mobile Check Deposit is available for all of your basic checks deposits, ex: local checks, payroll check, etc.You can make deposits in a snap with your iPhone® or Android™ device. Due to a new banking regulation, all checks deposited via a mobile service must include: “For Mobile Deposit Only” handwritten below your signature in the endorsement area on the back of the check or the deposit may be rejected.

Can I still cash a check if I wrote for mobile deposit Only?

You are essentially saying, I don’t care what happens, this check can ONLY be deposited and not cashed. This is to protect you in case the check gets lost or stolen. If initials validated changing this directive, the protection the endorsement gives would no longer work.

Does mobile deposit require magnetic ink?

Yes, an eCheck will still work without MICR ink. Even though the codeline is printed in regular printer toner, your bank is still able to capture an image of the check and send it to the automated clearing house to request funds from the issuing account.

Can I deposit a check with a different name?

Ask what you need to have them write on the back of the check, and be sure to ask if you both need to be present to deposit it. Some banks require a form of ID from the other person so that they can validate the identity of who is signing over the check.

Can you deposit a screenshot of a check?

No, you must take the picture with your device while you are in the process of making the remote deposit.

Can you deposit an emailed picture of a check?

Just because it’s legal does not mean the bank will accept it. They can refuse any check they deem questionable or possibly counterfeit. The bank will likely require a “normal” check with standard security features, such as magnetic ink and uniform size.

How do I deposit a check with my phone?

1. Know your bank’s mobile check deposit requirements.
2. Confirm the check amount is within mobile deposit limits.
3. Endorse the check.
4. Open the mobile deposit function in your bank app.
5. Take clear pictures of the check with your mobile device.
6. Confirm the check details and complete the deposit.

Why am I not eligible for mobile deposit?

The following are not eligible for Mobile Deposit: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), non-American Express traveler’s checks, cash, checks that are …

Why was my mobile deposit rejected?

Your Mobile Deposit can be rejected for any of the following reasons: The check must be signed (endorsed) by the person in which the check was made payable. The client that is the payee (the person the check is made out to) must be an owner on the account in which it is being deposited.

How long does it take for a mobile deposit check to clear?

When you deposit a check from your mobile device, it may take a little longer for your funds to become available based on what time of day the deposit was made. For example, mobile check deposits made after 6 p.m. Pacific time on business days to at least one major bank can’t be used until two business days later.

Can I Mobile deposit a check that is not in my name?

Always Endorse a Check Before Depositing – Be sure that your signature is endorsed on the back of the check. In addition to your signature, you may want to write your account number on the back of the check, and “For Mobile Deposit Only” under your signature.