Learning how to deposit a check online is a convenient skill that can save you a lot of time. But what happens if you try to deposit a check through your bank’s mobile app or website and it doesn’t go through? While this can be frustrating, there are several steps you can take to resolve the issue efficiently. Here’s what you should do if you find yourself in this situation.
Verify the Check Details
First, double-check the details of the check you’re attempting to deposit. Ensure that the check is properly signed, the amount is written, and it’s not postdated or outdated. Banks may reject checks that are not filled out correctly or have discrepancies in the information provided.
Also, confirm that the check photos are clear and legible. Blurry or incomplete images of checks are a common reason for rejection in online deposits. Ensure the entire check is visible in the photo, with all four corners within the frame, and that the lighting is good enough to read the details on the check.
Check Your Bank’s Deposit Limits and Requirements
Banks often have daily and monthly deposit limits for online check deposits. If your check exceeds these limits, it may not go through. Review your bank’s policies on online deposits to ensure your check doesn’t surpass these limits. If it does, you may need to visit a branch or ATM to deposit the check instead.
Some banks have specific requirements for online check deposits, such as endorsing the check with “For mobile deposit only” or including your account number. Failure to follow these instructions can lead to your deposit being rejected.
Update Your Banking App and Internet Connection
If the check details and deposit limits aren’t the issue, the problem might be technical. Ensure your banking app is updated to the latest version. Outdated apps may have glitches or compatibility issues that prevent successful deposits.
Check your internet connection. A weak or unstable connection can disrupt the deposit process. Try switching to a stronger Wi-Fi network or a cellular data connection and attempt the deposit again.
Contact Your Bank’s Customer Service
If you’ve verified the check details, checked deposit limits, and ensured a stable internet connection, but your deposit still isn’t going through, it’s time to contact your bank’s customer service. An issue with your account or the bank’s system may prevent the deposit.
Customer service can provide specific information on why the deposit failed and guide you on the next steps. They may also be able to process the deposit for you manually or advise you to deposit the check at a branch or ATM.
Consider Alternative Deposit Methods
If your online check deposit is unsuccessful and customer service can’t resolve the issue immediately, consider alternative methods for depositing your check. Most banks allow you to deposit checks at ATMs or physical branches.
Depositing the check-in person can be a quick solution if you need the funds to be available in your account as soon as possible. While it may not be as convenient as online depositing, it ensures your check is processed without further delay.
SoFi states, “With mobile deposit, you’re able to deposit funds into your SoFi bank account by simply taking photos of the front and back of the check. This means you never have to take your check to a physical bank and can make deposits from the comfort of your home.”
If your online check deposit doesn’t go through, don’t panic. Start by verifying the check details and your bank’s deposit requirements. Ensure your app is updated and your internet connection is stable. If these steps don’t resolve the issue, contact your bank’s customer service for assistance. Consider alternative deposit methods like ATMs or visiting a branch as a last resort. By following these steps, you can address the issue efficiently and continue managing your finances with ease.
