Last Updated on March 16, 2025 by admin
This post will teach you how to carry out Bank of America mobile check deposits using your mobile app from your smartphone or tablet. you can deposit either Personal checks, Business checks, Government/treasury checks or Cashier’s checks.
Customers can now deposit their check online without visiting the banking hall. They have to first download the mobile app first from the App store and register for it.
Depositing a mobile check in the United States is a convenient way to manage your finances without visiting a bank branch. Most major banks, including Bank of America, Chase, and Wells Fargo, offer mobile check deposit services through their mobile apps.
This feature allows customers to deposit checks by taking photos of the front and back of the check using their smartphone or tablet, saving time and eliminating the need to visit a physical branch or ATM.
To deposit a mobile check, start by signing in to your bank’s mobile app and selecting the mobile deposit or check deposit option. Choose the account you want to deposit the check into and enter the check amount.
It is crucial to endorse the back of the check by signing it and writing ‘For mobile deposit only’ or following your bank’s specific instructions. Using your smartphone’s camera, take clear photos of the front and back of the check when prompted by the app, ensuring the entire check is visible and in focus
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After capturing the images, review the deposit details for accuracy and submit the deposit. You will usually receive a confirmation that the deposit was received.
It is recommended to keep the physical check for a short period, often 5-14 days, before safely destroying it. This precaution ensures that you have a backup in case any issues arise with the deposit.
Despite the convenience, users may encounter common issues when depositing a mobile check. These include poor image quality due to inadequate lighting or camera focus, improper check endorsement, and exceeding deposit limits set by the bank.
Additionally, attempting to deposit ineligible checks, such as foreign checks or money orders, can lead to problems. Network connectivity issues and delays in funds availability are also potential challenges.
The following check are not accepted via mobile deposit, therefore you are required to visit a financial center to deposit the following items:
1. U.S. savings bonds
2.Checks from foreign banks
3.Money orders
4.Traveler’s checks
5.Image Replacement Documents (IRDs)
6.Third-party checks
7. Checks not payable in U.S. dollars
Read: How to Get a Student Loan with Bad Credit or No Credit in united states
Benefits and features of Bank of America Mobile App
Apart from checking deposits, Bank of America mobile has a great benefit,because you can charge your account, at home or on the go. The service is seamless, fast and secure.
1. Check your balance, deposit checks, view statements, pay bills, transfer money between your accounts and set up alerts through email, text or push notifications. Browse cash-back deals
2.Pay & transfer, it helps customers to schedule or pay bills online from home, the office, wherever you can connect. Make quick, secure transfers between your accounts.
3. Budget & track, you can Set up a budget and monitor spending in your accounts and see where your money goes
How to deposit checks with our Mobile Banking app
Depositing checks using a mobile banking app is a convenient process. Here’s a general step-by-step guide:
- Open your bank’s mobile app and log in with your credentials.
- Look for an option like “Deposit Checks” or “Mobile Deposit.”
- Sign the back of the check and write “For Mobile Deposit Only” if required.
- Use the app to capture clear images of the front and back of the check. Ensure good lighting and a plain background.
- Input the amount written on the check.
- Choose the account where you want the funds deposited.
- Review the details and submit the deposit.
After submission, keep the check for a few days until the funds are confirmed in your account. If you’re using a specific app like SECU’s, the process might have slight variations.
You can also read: Best Auto {Car} loan Rates in United states
When will bank of America mobile check deposit will be available
The availability of funds from mobile check deposits depends on the time zone where the account was opened and when the deposit is made. For accounts in Eastern or Central time zones, funds deposited before 9:00 p.m. ET on a business day will generally be available the next business day.
For accounts in Mountain or Pacific time zones, funds deposited before 8:00 p.m. PT on a business day will also be available the next business day.
However, deposits made after these cutoff times or on weekends and holidays will be considered deposited on the next business day, so funds would typically be available two business days later.
There are certain limitations and potential fees associated with Bank of America’s mobile check deposit. The mobile deposit limit varies depending on factors like account type, history, and relationship with the bank, typically ranging from $2,500 to $10,000 per month for personal accounts.
Business accounts may have higher limits, up to $999,999.99 per day with Remote Deposit Online. While there are no direct fees for using mobile check deposit for personal accounts, business accounts using Remote Deposit Online incur a $15 monthly fee. It’s important to note that deposit limits can change over time, and customers can request limit increases by contacting Bank of America directly.
Bank of America’s mobile check deposit service does have some restrictions on the types of checks that can be deposited. Only checks from U.S. financial institutions in U.S. dollars are accepted, including personal checks, business checks, government/treasury checks, and cashier’s checks.
Items not accepted via mobile deposit include U.S. savings bonds, checks from foreign banks, money orders, traveler’s checks, Image Replacement Documents (IRDs), third-party checks, and checks not payable in U.S. dollars.
What are Bank of America mobile check deposit limits?
Bank of America’s mobile check deposit limits are influenced by several factors, including the type of account, the duration for which the account has been open, and the customer’s relationship with the bank.
For personal accounts that have been open for at least three months, the typical monthly limit is $10,000. However, for newer accounts that have been open for less than three months, the monthly limit is usually $2,500. These limits are subject to change based on account history and standing with the bank
Customers enrolled in Bank of America’s Preferred Rewards program can enjoy higher mobile check deposit limits. For those who have been in the program for more than three months, the limit can be as high as $50,000 per month.
For newer members of the program, the limit is $25,000 per month. This program is designed to reward customers with a strong banking relationship and can significantly increase their deposit capabilities
Bank of America Deposit holds typically range from 2-7 business days, depending on the reason for the hold. For deposits made on weekends, funds are considered deposited on Monday (the first business day), so the hold will go into effect the next business day (Tuesday).
But to avoid a hold on your Mobile check deposit always ask you business associate or family and friends to pay you through electronic payment solutions such as direct deposit, Automated Clearing House (ACH) payments, online transfers, wire transfers and peer-to-peer services such as Zelle
