The types of checks you may be able to add to your account using mobile check deposit include personal checks, business checks, cashier’s checks and government-issued checks. This includes tax refunds and stimulus checks, such as those provided by the CARES Act. Mobile check deposit can be a convenient way to handle deposits to a checking, savings or money market account.

• To do so, write “For deposit only to account #####” (using your account number), along with your signature.
• FBO checks, or “For the Benefit of” checks, are checks written to be payable to person A for the benefit of person B.
• Many people are unable to open a bank account these days due to the high maintenance fee plus the minimum fixed account requirement.
• See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

A third-party endorsement involves signing over a check made out to you to someone else. You first write “Pay to the order of,” followed by the name of the person you wish to have the funds. Many banks will How to Endorse a Check & What Check Endorsement Means no longer accept such an endorsement so make sure in advance that your bank will do so. It may require that you be present for identification purposes when your third party cashes or deposits the check.

No Endorsement

Depositing a check online isn’t exactly the same as depositing it at a physical bank or ATM. You still have to sign the back of the check for the deposit to be valid. You should also make sure all the information on the front of the check is correct. Some checks can take longer to process, so we may need to hold some or all of the deposit for a little longer. We’ll let you know if we need to hold a deposit and include details about when to expect your money. We’ll let you know if we need to hold a deposit and include details about when to expect your money.

• This is the same as endorsing a paper check that you deposit at a branch or via an ATM.
• Funds can’t be given out as cash or deposited into any other account.
• An improperly endorsed
  check could make your business vulnerable to fraudulent activity.
• This is due in large part to rules contained in Reg CC that assign fraud liability for duplicate deposits to the first bank that received the check, unless the check image bears such a mark.

Even if your mobile deposit appears to go off without a hitch, it can still be a good idea to hold on to the paper check after it clears, just in case there’s a problem later. More banks and credit unions are offering mobile check deposit as a convenient way for customers to add money to their accounts. Some banks allow you to deposit checks without a signature, account number, or anything else on the back. Skipping the endorsement can help keep your information private. Check writers can often view images online of processed checks, including the endorsement area, after checks are paid. With no endorsement, no one can see your signature or your account number unless your bank adds the account number during processing.

How to Endorse a Check

Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. People will also do a blank endorsement when they’re depositing a check through an ATM or using mobile deposit. If you’re doing a blank endorsement, sign the check just before you deposit the check. If you’re logged in to your bank’s mobile app, you should be able to view the deposit limits. If not, you can check your account agreement or contact your bank to ask about limits for mobile check deposit. Blank endorsement is one of the most typical endorsements, and it consists of a person signing the back of a check that does not indicate a payee.

This is often the case with checks that are given as wedding gifts. It’s possible to endorse a check in other ways whether you’re passing the funds on to someone else or cashing it. You can use a check made out to you to pay someone else by telling the bank to pay it to that individual. You can also use a blank endorsement and tell the bank teller in person where you’d like the money to go. Some banks will require you to add “Mobile Deposit” to the endorsement when you deposit a check using your phone.

Why do I not see the Deposit Checks option on my Apple® device?

Our guide tells you how to cash a check online with digital banking. Wells Fargo Online and Wells Fargo Business Online® customers who maintain an eligible checking or savings account are eligible to use mobile deposit. With Wells Fargo Mobile deposit (“mobile deposit”), you can make a deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app.

These are called skill endorsements, which are different than recommendations. When a connection endorses your skills, it contributes to the strength of your profile, and increases the likelihood that you’ll be discovered for opportunities related to the skills you possess. Banking services and debit card provided by The Bancorp Bank, N.A. To make an account the default for mobile deposit, select the account from the Deposit To drop-down, and check the Make this account my default box. Mobile deposit lets you submit photos of the front and back of your endorsed, eligible check.