Mobile banking has made banking easier and more convenient than ever before. Traditionally, customers were limited to banking activities during business hours at a local branch, but mobile banking has made banking much more convenient.
One of the many features of mobile banking is mobile check deposits. Mobile deposits allow you to deposit checks from your phone without needing to visit a local branch to do it in person.
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Endorsing a check for mobile deposit depends on your current bank as they may have slightly different methods for doing so. Below, we break down how to endorse a mobile deposit at some of the top banks.
How to endorse a check for mobile deposit at Chase
To endorse a check for mobile deposit at Chase, you can use the Chase QuickDeposit feature on the Chase mobile app. Follow these steps:
- Sign the back of the check and write “for electronic deposit only at Chase”
- Sign in to the Chase mobile app and choose the “deposit checks” option
- Enter the check amount and tap “Auto Capture” to take a picture of the front and back of the check
- Confirm the details and submit the deposit
Are there mobile deposit limits at Chase?
Chase mobile check deposit limits for customers are up to $2,000 per day or $5,000 over a 30-day period.
When will my funds be available?
Your funds will typically be available by the next business day if submitted before 11 p.m. EST.
How to endorse a check for mobile deposit at Wells Fargo
To endorse a check for mobile deposit at Wells Fargo, you will need to:
- Sign in to the Wells Fargo mobile app and select “deposit” at the bottom
- Enter the amount of your check
- Sign the back of your check and write “for mobile deposit at Wells Fargo only” or check the box that reads “check here if mobile deposit”
- Take a photo of the front and back of your check
- Submit your deposit
Are there mobile deposit limits at Wells Fargo?
You can see any mobile deposit limits currently in place for your account when you follow the instructions to deposit a check.
When will my funds be available?
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If you deposit on a business day before 9 p.m. PST, you will usually receive the money the next day.
How to endorse a check for mobile deposit at PNC
Endorsing a check for mobile deposit at PNC is easy enough to do with the PNC mobile app. Here’s how to do it:
- Follow the instructions to deposit a check through the PNC mobile app
- Endorse the check by writing “for mobile deposit only at PNC Bank” and your signature
- Take a photo of the front and back of the check
- Choose either standard funds availability or PNC Express Funds if you need the money more quickly
- Pay the fee if using the PNC Express Funds option
- Submit deposit
Are there mobile deposit limits at PNC?
For customers with accounts opened for 30 days or more, the mobile deposit limit is $2,500 per day or $5,000 per month. If you have an account less than 30 days old, the limit is $1,000 per day and $2,500 per month.
When will my funds be available?
For checks deposited before 10 p.m. EST on a business day, you should receive your funds on the next business day.
However, you can use PNC Express Funds for faster access in exchange for a fee. The current fee is 2% of each check amount over $100; for checks between $25 to $100, a $2 fee will apply per check.
How to endorse a check for mobile deposit at Bank of America
Using the Bank of America mobile banking app, you can deposit a check following these simple steps:
- Sign in to the app and select the “Deposit Checks” option
- Sign the back of the check and write “for deposit only at Bank of America”
- Take photos of the front and back of the check. You can select the “Front of Check” and “Back of Check” buttons options
- Choose which account will receive the deposit and enter the amount
- Confirm the details and submit
Are there mobile deposit limits at Bank of America?
Any deposit limits will be displayed when you select your deposit account. This limit is reset at the beginning of each month.
When will my funds be available?
If you submit your check before the cut-off time on a business day, it will usually be processed by the next business day. These cut-off times can vary depending on where you’re located. You can see the full list on the Bank of America website.
Things to watch for when endorsing your check
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Endorsing a check for a mobile deposit is simple enough, but if you make an error, this can lead to processing delays.
Here are some things to check before you submit your mobile deposit:
- Make sure you sign the check in the correct area. This will be labeled on the check.
- Make sure the names match the signature
- Write the words “for deposit only at [insert chosen bank]” on the back
- If you use other endorsing methods, check your bank accepts that type of endorsement method first
Other methods for endorsing a check
Restrictive endorsement — For extra security, you can endorse a check with the words “for deposit only,” as well as your account number and signature to ensure that the bank only sends funds to that specific account.
Blank endorsement — This is a less secure way of endorsing a check, but all you need to do is sign the back of the check and deposit it either in person or via mobile deposit.
Third-party endorsement — This means endorsing a check addressed to you to another person. You will need to write “pay to the order of” and the name of the person you wish to receive the funds.
Check your bank’s mobile deposit guidelines
The process of endorsing a check for mobile deposit is fairly similar for each of the top banks. However, it’s best to double-check the specific instructions for your bank rather than assume it will be the same process.
It’s important to follow all of the steps required by your bank because any errors can lead to delays in processing the check. By following the proper endorsement instructions, you can deposit checks quickly and easily using your mobile device, saving time and hassle compared to traditional banking methods.
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