Which Checks Cannot Be Deposited Online? Key Restrictions Explained
Learn which types of checks cannot be deposited online, including third-party, foreign, and damaged checks. Verify bank limits to avoid issues.
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Checks that cannot be deposited online usually include third-party checks, money orders, foreign checks, altered checks, and checks older than six months. Additionally, damaged or illegible checks, as well as those over a certain dollar amount (varies by bank), are typically not eligible for mobile deposit. Always verify with your bank for specific restrictions to avoid inconvenience.
FAQs & Answers
- Can I deposit a third-party check using mobile deposit? No, third-party checks are generally not accepted for mobile deposit due to increased fraud risk.
- Are foreign checks allowed for online deposit? Most banks do not accept foreign checks for mobile deposit; you usually need to deposit them in-branch.
- What should I do if my check is damaged or illegible? Damaged or illegible checks cannot be deposited via mobile deposit and typically require in-person processing.
- Is there a time limit for depositing checks online? Yes, checks older than six months are generally not accepted for online deposit by most banks.