What Types of Checks Are Not Eligible for Mobile Deposit?
Learn which checks cannot be deposited via mobile apps, including foreign, third-party, and damaged checks. Check your bank's mobile deposit rules.
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Checks that are typically not eligible for mobile deposit include foreign checks, third-party checks (endorsed over to you), checks with alterations, post-dated or stale-dated checks, and frontal or reverse damage that obscures key information. Always verify with your bank’s specific policies for more detailed requirements.
FAQs & Answers
- Why are some checks not accepted for mobile deposit? Certain checks are not accepted for mobile deposit due to issues like foreign origin, endorsements by third parties, damage, or altered information which complicates processing and verification.
- Can I deposit a post-dated check using my mobile banking app? Post-dated checks typically are not eligible for mobile deposits because banks process the check as if it is dated at the time of deposit, which can cause issues with timing.
- What should I do if my check is declined through mobile deposit? If your mobile deposit is declined, review whether the check meets your bank’s eligibility criteria, such as condition, endorsements, and date. It's best to contact your bank for guidance.