Depositing a check through the Capital One app is a convenient way to add money to your account without visiting a bank branch. You can complete the entire process from your phone by entering the check amount, taking pictures of the front and back, and confirming the deposit details.
If you want to deposit checks on Capital One, follow these steps to submit your check and find out when your money will be available.
Step 1: Open the Capital One App
Start by opening the Capital One app on your phone and logging in to your account.
From the home screen, select the account where you want to deposit the check. Once you open the account, look for the available options under the “I want to” section. You should see options such as managing direct deposits, transferring money, sending money with Zelle, and depositing a check.
Tap Deposit to begin the mobile deposit process.
Step 2: Accept the Terms and Conditions
Capital One will display an introductory screen explaining how mobile check deposits work. The process involves taking pictures of the front and back of your check and confirming the details before submitting it.
Tap Continue to proceed. You will then see the Remote Deposit Capture Agreement. Read the terms and conditions, then tap Agree and Continue to move to the deposit screen.
Step 3: Enter the Check Amount
On the deposit screen, tap the field labeled “Enter amount” and type the exact dollar amount written on your check.
For example, if your check is for $3.14, enter $3.14 and tap the check mark to confirm the amount.
Before you deposit checks on Capital One, check your remaining mobile deposit limit. The app displays this limit on the deposit screen, helping you determine whether your check qualifies for mobile deposit.
If the check exceeds your available deposit limit, you may need to visit a Capital One branch to complete the deposit.
Step 4: Take a Picture of the Front of the Check
Once you enter the amount, you can take pictures of the check. The app displays two boxes for the front and back images.
Tap the box labeled “Front” to open the camera. Place your check on a flat surface in a well-lit area, making sure all four corners are visible.
Capital One requires you to tap the button to take the picture manually rather than automatically capturing the check. Hold your phone steady and make sure the image is clear before proceeding.
A clear picture helps ensure the app can read the check details correctly.
Step 5: Endorse the Check and Photograph the Back
Before taking a picture of the back, you must endorse the check by signing it.
Turn the check over and look for the designated endorsement area. Sign your name in the appropriate space.
You can also write “For mobile deposit only” underneath your signature. This additional restriction can help reduce the risk of someone attempting to deposit the same check again if it is lost or falls into the wrong hands. Follow any specific endorsement instructions provided by Capital One.
After signing the check, tap the box labeled “Back” and take a clear picture of the reverse side. Make sure the endorsement is visible and all four corners of the check are in the frame.
Forgetting to sign the check can result in a rejected deposit, so complete this step before submitting your images.
Step 6: Review the Deposit Details
After photographing both sides of the check, Capital One will display a confirmation screen with your deposit details.
Review the information carefully before continuing. Make sure the following details are correct:
- Deposit amount: Confirm that the amount matches the check.
- Check images: Ensure both pictures are clear and show all four corners.
- Receiving account: Verify that the money will go into the correct account.
- Availability estimate: Check when Capital One expects the funds to become available.
This is your opportunity to catch mistakes before submitting the transaction.
Step 7: Submit Your Deposit
Once you have verified everything, look for the slide-to-deposit control on the confirmation screen.
Slide the button to the right to submit your check. Be sure you are ready to proceed because, as the app explains, the deposit cannot be canceled after submission.
Capital One will display a confirmation screen with a green check mark when your check has been successfully submitted. The confirmation includes the deposit amount, the account receiving the funds, and the estimated availability date.
You have now completed the steps to deposit checks on Capital One through your phone.
Step 8: Keep the Paper Check Until the Deposit Is Complete
After submitting your check, do not throw away the physical copy immediately.
Capital One advises customers to hold on to the check even after the app confirms the deposit. The bank may still be reviewing the transaction, and the funds may not have fully posted to your account.
Keep the check in a safe place for at least a few business days and monitor your account’s transaction history. Wait until the full amount has posted before disposing of the check. Once the deposit is fully processed, write “VOID” across the check and shred it securely.
Keeping the original check until the transaction is complete gives you a record to refer to if a problem arises.
Final Thoughts
Learning how to deposit checks on Capital One is straightforward once you know where to find the mobile deposit option. Open your account, tap Deposit, enter the amount, photograph both sides of the endorsed check, and review the details before submitting it.
Remember to check your mobile deposit limit, sign the back of the check, and keep the paper copy until the full amount has posted to your account. These simple precautions can help you complete your mobile deposit smoothly without making an unnecessary trip to the bank.
