What Types of Checks Are Not Eligible for Mobile Deposit?

Learn which checks cannot be deposited via mobile banking, including foreign, third-party, stale-dated, and postdated checks.

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Certain types of checks cannot be mobile deposited, including but not limited to: foreign checks, third-party checks, checks that are older than 6 months (stale-dated), checks that are postdated (dated in the future), and non-negotiable instruments (e.g., promissory notes). It's crucial to review your bank's mobile deposit guidelines to ensure a smooth deposit process and avoid any potential issues.

FAQs & Answers

  1. Why can't some checks be deposited using mobile deposit? Certain checks are restricted due to verification challenges, risk of fraud, or bank policy, such as foreign checks, third-party checks, stale-dated, and postdated checks.
  2. What is a stale-dated check and why is it not accepted for mobile deposit? A stale-dated check is one that is older than 6 months. Banks often reject these for mobile deposit due to increased risk of insufficient funds or fraud.
  3. Can I deposit a postdated check using my bank's mobile app? No, postdated checks—which are dated for the future—are generally not accepted through mobile deposit as banks only process checks valid on or after their date.

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