Are you looking for how to deposit a check, but you don’t know how to go about it?
Or you are thinking of how to deposit a check online either by phone, ATM, or going to the bank.
Worry no more, because you are in the right place. This article will teach you all you need to know about it.
Depositing a check is very simple and easy for anyone to do any day anytime.
Last time we wrote an article here on how to read a check, and now, I will share with you the essential guide on how to deposit a check.
Anytime you are being given a check, or you receive a check by someone, you either cash out the check or you deposit it into a bank account.
Then, if you decide to deposit, you have few options to choose to deposit the check which can be either any of these;
- Visiting a nearby bank or credit union branch.
- Using the mobile banking app on your phone.
- By going to the ATM center.
One exciting thing about depositing of a check is that you can deposit part of the check while you cash out the rest.
Yes, it is possible once your bank or the credit union branch permits you and allows it.
Let’s quickly see the possible ways on how to deposit a check.
3 simple methods on How to Deposit a Check
At the bank
This is one of the methods on our list here today for depositing a check. Quickly visit any nearby bank branch.
Then, when depositing it, you need to endorse the check by signing on it. On the back of the check, sign the check on top of the field line there.
Now, make sure the check is written very well. Hence, you can check out this guide here on how to write a check correctly.
Also, you provide your ID for identification, the account number, and account details of where to deposit the check to.
Doing all these won’t take your time, once you provide everything.
And once all transactions are completed, then wait for at most two business days for the funds to arrive in your bank account.
Read Also: How to Void a Check in QuickBooks
At an ATM
If you are not comfortable with the first method, then you can go for this method here by using the ATM to deposit a check.
And this can be done at any Bank ATM center so far the ATM accepts a check.
Now, you need to go with the debit card issued to you by your bank, then follow the on-screen prompts for check deposit till you submit your check to the designated slot.
Unlike visiting the bank, you can deposit into any ATM at any time you like. However, I recommend visiting the ATM of your bank when depositing a check.
Doing this on any ATM aside from your bank ATM might take longer days before the money will be made available on your bank account.
By making use of your bank ATM, it may save you some little money on ATM fees, and such your cash will arrive on time to your account.
Read Also: How to Become an Accountant
With your Phone
This is the last method we have here, hence this depends on if your bank has an option for it on the mobile banking app.
All you have to do is to log into your mobile app, then locate the deposit check option, follow the prompts, and then choose the account where you want to deposit the check into.
During the process, you might be asked to take a picture of both sides of the check before proceeding.
Now, to get a clear photo, take the picture in a clean environment by placing the check on a contrasting dark surface.
Also, make sure all the four corners of the check are being captured very well in the frame.
After taking the picture, carefully follow other prompt instructions until you complete the deposit check process.
Once everything is done, you can wait for at most two business days for the money to be made available on the bank account.
Perhaps, some transactions can be completed within one business day (24hrs) depending on your bank and mobile app as well.
You have seen all about depositing a check and remember always to do it the right way regardless of which method you choose to use.
Nevertheless, checks don’t expire on time, but most banks don’t accept a check that is more than six months old than the date it was issued.
Then, to avoid this and as well for the check not to be stolen or got lost, try to cash out or deposit a check into your bank account anytime soon.
However, you can still automate everything by setting up direct deposit payments into your accounts.
That is if you do receive check payments regularly, like the paycheck and other regular check payments.
Read Also: How to Close a Bank Account
Hence, if you do like check deposits, then it is still okay. Pick any of the above methods and deposit your check quickly.
Hopefully, I believed you have learned how to deposit a check, so take advantage of this today and use it properly.