Do You Need a Physical Check for Mobile Deposit? Explained
Learn if a physical check is required for mobile deposits and steps to properly endorse and submit it via your bank's app.
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Yes, you need a physical check for mobile deposit. This involves using your bank's mobile app to take photos of both the front and back of the check. Make sure you endorse the check by signing the back and writing 'for mobile deposit only,' if required by your bank. After depositing, retain the check for a few weeks until the deposit clears, then you can safely dispose of it.
FAQs & Answers
- Can I deposit a check without the physical paper using mobile deposit? No, you need the physical paper check to take photos of both sides for the mobile deposit through your bank's app.
- How do I endorse a check for mobile deposit? You must sign the back of the check and write 'for mobile deposit only' if your bank requires it before submitting the check photos.
- How long should I keep the physical check after mobile depositing? It's recommended to retain the physical check for a few weeks until the deposit fully clears in your account before safely disposing of it.