How to deposit check using Region Bank mobile app and ATM

Last Updated on July 1, 2024 by admin

Region Bank customers Often asked how to deposit checks via Mobile App and ATM? With present technology advancement, you can Deposit checks from almost anywhere with Region bank Mobile Banking app on your smartphone or tablet or deposit paper check through ATM Machine.

Depositing a check on your phone, tablet or ATM is just as secure as handing it to your local teller. This saves you the stress of physically going to the bank. You can easily take a picture of the check, which is then uploaded through the bank’s mobile app.

Regions offers multiple ways to securely deposit your checks. In addition to traditional in-branch or ATM check depositing, you can also deposit your check through Regions Mobile Banking

Learn more about using Region bank mobile check deposit and ATM Deposit to conveniently get money into your bank account.

Read: How to register for Regions bank Online Banking

How does Regions bank Mobile check Deposit work?

To deposit a check via Regions bank Mobile app, customers have to sign the back of it. You need to use a compatible smartphone or tablet to deposit funds into your Regions deposit accounts.This is the same as endorsing a paper check that you deposit at a branch or via an ATM.then follow the steps below:

1. Before you can start a mobile check deposit, you need to download the Region bank Mobile® app then register for it. If you already have the app, update it with the most recent version.
2.Log in to the app using your online ID and password.

3.Select Deposits from the home menu, then choose a deposit account or Now card
4. Enter the check deposit amount and select how soon you want to access your funds.
5.Sign at the back of your check and write “For Mobile Deposit at Region bank Only” or “For Regions Mobile RDC Service Only.”

6. Take a picture of the front and back of your check.
7. Review details and Tap Deposit.

8. Choose how soon you want access to your funds3:

Available immediately4 — 1% – 4% of the check (minimum of $5)
Available for Processing Tonight — no charge

Also read: How to deposit check using WellsFargo mobile app and ATM

What Type of checks is accepted by Region bank mobile deposit and ATM?

Regions Bank accepts most types of checks through both mobile deposit and at their DepositSmart ATMs. These include:

Checks Accepted:

• Personal checks: Checks written by individuals to other individuals or businesses.
• Payroll checks: Checks issued by employers to employees.
• Government checks: Checks issued by government agencies (federal, state, local).
• Cashier’s checks: Official checks issued and guaranteed by a bank.
• Money orders: Prepaid checks purchased from banks, post offices, or retail stores.
• Traveler’s checks: Prepaid checks designed for travelers to use as a safe form of currency.
• Insurance checks: Checks issued by insurance companies for claims or benefits.

Checks Not Accepted (Generally):

• Checks payable to “Cash”: These checks can be cashed, but not deposited.
• Checks you wrote to yourself: Checks written from one of your accounts to another cannot be deposited via mobile deposit.
• Starter checks: Checks included with new accounts to get started, often limited in functionality.
• Counter checks: Temporary checks provided by a bank if you’ve run out of your regular checks.
• Credit card convenience checks: Checks issued by credit card companies for balance transfers or cash advances.
• Foreign check issue in international bank

How does Regions ATM check Deposit work?

Regions Bank’s DepositSmart ATMs offer a convenient way to deposit checks without needing to visit a branch. Here’s how it works:

1. Locate a DepositSmart ATM: You can find the nearest DepositSmart ATM using the Regions Bank branch locator on their website or mobile app.

2. Insert Your Card and PIN: Insert your Regions debit card or ATM card and enter your PIN.

3. Select “Deposit”: Choose the “Deposit” option on the screen.

4. Choose the Account: Select the account where you want to deposit the check.

5. Insert Checks: Insert your endorsed checks into the designated slot. You can insert up to 20 checks at a time. The machine will automatically read and process the checks.

6. Verify Details: The ATM will display the details of your deposit, including the check images and amounts. Verify that the information is correct.

7. Confirm Deposit: If everything looks accurate, confirm your deposit.

8. Get a Receipt: You will receive a printed receipt with the details of your deposit. Keep this receipt for your records

When will my region bank check deposit funds be available for use

The availability of funds from a check deposit at Regions Bank depends on several factors, including:

• The type of check: Government, cashier’s, or payroll checks are typically available sooner than personal checks.
• The amount of the check: Larger checks may have holds placed on them.
• Your account history: If you have a new account or a history of overdrafts, the hold may be longer.
• The day and time of the deposit: Deposits made before 8:00 PM CT on a business day are generally available sooner than those made after 8:00 PM or on weekends and holidays.

The funds from Mobile and ATM checks deposited from Region bank will be available on next business day (business days exclude Saturday, Sunday and federal holidays). But If there is a hold on your deposit check, It may take longer before they are available for your use (up to 11 business days).

Region Bank Mobile and ATM check deposit limits

There is not a set limit on the number of checks a customer can deposit using Regions Mobile Deposit. Most customers have a $6,000 daily and $10,000 monthly limit. Customers who qualify as a member of Preferred Banking programs have a $10,000 daily and $25,000 monthly limit. Private Wealth Management clients have a $50,000 daily and $200,000 monthly limit.

How to Check Your Limits:

You can view your specific limits for various transactions through the Regions Online Banking or Regions Mobile Banking app. You can also contact Regions Bank customer service for assistance.