Mobile banking has made managing money easier than ever. If you need to deposit checks without visiting a branch, the Bank of America app allows you to do it in just a few minutes. All you need is your phone and your check. By following the right steps, you can complete the process quickly and avoid common mistakes that may delay your funds.
How to Deposit Checks Using the Bank of America App
To begin, open the Bank of America app and sign in to your account. On the home screen, look at the menu near the bottom and tap Deposit Checks.
If this is your first time using the feature, you will see a brief introduction explaining mobile deposits. Tap Get Started and accept the mobile check deposit agreement to continue.
Once accepted, you are ready to deposit checks directly from your smartphone.
Endorse Your Check Before Taking Photos
One of the most common reasons mobile deposits are rejected is improper endorsement.
Before taking any pictures:
- Turn the check over.
- Sign the back.
- Write “For Deposit Only at Bank of America” underneath your signature.
This step helps protect your check and ensures it can only be deposited into your account. Skipping this requirement may cause your deposit to be declined.
Take Photos of the Front and Back
After endorsing the check, the app will display two sections:
- Front of the check
- Back of the check
Tap the front section first and take a clear picture. Then repeat the process for the back.
Taking quality photos is essential if you want to deposit checks successfully.
How to Take Check Photos That Get Approved
Poor images are another major reason mobile deposits fail. Follow these tips to improve your chances of approval:
Use a Dark Background
Place the check on a dark, flat surface so the edges are easy to see.
Ensure Good Lighting
Avoid shadows and make sure the entire check is evenly lit.
Flatten the Check
Do not photograph folded checks or ones with curled corners.
Include All Four Corners
Keep the entire check inside the camera frame.
Hold the Phone Steady
Blurry images may force you to repeat the process.
Taking a few extra seconds can help you deposit checks without unnecessary delays.
Select the Correct Account
After uploading both photos, review the account receiving the funds.
If you have multiple accounts with Bank of America, make sure the deposit is directed to the correct one. You can tap the account field and choose another account if necessary.
How to Enter the Deposit Amount
Next, tap Enter Amount and type the exact amount written on the check.
Accuracy is important. For example, if the check amount is $52.97, enter exactly $52.97. Any mismatch between the amount entered and the amount printed on the check could result in delays or rejection.
Always double-check before proceeding.
Review and Submit Your Deposit
After entering the amount, tap Next to reach the confirmation screen.
Here you will see:
- Images of the front and back of the check
- The account receiving the funds
- The amount entered
Review everything carefully before submitting.
Bank of America notes that deposits made before 9 p.m. Eastern Time are generally available on the next business day. Funds are not immediately available when you submit the deposit.
How to Submit Your Deposit and Track It
Once you verify all information, tap Submit.
You will then see a confirmation screen showing:
- Deposit status
- Receiving account
- Deposit amount
- Confirmation number
It is a good idea to take a screenshot or write down the confirmation number for future reference.
Keep the Physical Check
Even after successfully submitting your mobile deposit, do not throw away the check immediately.
Write the word “Deposited” on the check and store it in a safe place for about a week. This provides a backup in case any issues arise with the electronic deposit.
After confirming that the money has been fully credited to your account, you can safely shred the check.
Final Thoughts
The Bank of America app makes it simple to deposit checks from anywhere without driving to a branch or waiting in line. By endorsing the check correctly, taking clear photos, entering the exact amount, and keeping the original check for a few days, you can complete the process smoothly.
Whether you are depositing a paycheck or a personal check, learning how to deposit checks through the Bank of America app can save time and make banking more convenient.
