Bank of America's iPhone app has a feature that allows you to deposit your checks right from your phone. Read this article to find out how to deposit a check on your mobile so you never have to go to the bank again.
Steps
Step 1. Download, install and open the Bank of America app from the Apple Appstore (or update the app to the next version of August 7, 2012)
If you run the app on an Android smartphone, update the app to at least the August 16, 2012 version.
Step 2. Log into your Bank of America account using your credentials
Step 3. Tap the “Deposit” button in the upper right corner of the screen
If this is your first time, you will need to warn them (via the verify button) that you are aware of using this service.
Step 4. Tap the “Check Front” button
Step 5. Scan the front of the check using your cell phone's camera
Make sure you have plenty of light available. A blurred photo will need a rescan of the check.
Step 6. Tap the "Use" button, if you are sure this is a good image of the check and that the entire check appears in the edges of the area
Step 7. Mark the back of the check as “Non-transferable”
Step 8. Tap the Back of Check button
Step 9. Turn the document 180 degrees and scan the new side of the check so that the part marked “Non-transferable” appears on the left side of the image and the branding on the “Original Document” appears upside down
Step 10. Tap the "Use" button, if you are sure this is a good image of the check and that the entire check appears in the edges of the area
Step 11. Tap the “Deposit to” button
Choose the account you want to deposit the check into
Step 12. Tap the “Amount” field
This is a verification field, as the phone is unable to distinguish the IRC (Intelligent Character Recognition) image from the check.
Step 13. Type the amount in the field starting with the dollar sign
Make sure you end the amount with cents (even if the amount is even), you will need to enter 00 in the appropriate field.
Step 14. Tap the “Done” button
Step 15. Check the deposited amount and the account
Tap the "Continue" button when done
Step 16. Tap the “Deposit” button in the upper right corner
Step 17. Make a note of the confirmation number from the screen (optional)
# Tap the "Done" button after writing your confirmation number.
Advice
- The update for Android phones that includes this feature was released on August 16, 2012 - update your app accordingly.
- If the image is a little washed out, move to a brighter area or provide more light and re-scan any side that has been marked with an X (inside a square) from the application.
- The withdrawal from the payer's account will take place on the following business day, but the credit will remain pending during that period. Therefore, the deposit will not be immediately available.
- As with most Bank of America services, a receipt is not required when depositing checks via this app. However, if you wish to take note that the deposit was made on that date, write it down along with the confirmation number just like you would if you were in the bank.
- While most other banks only offer this feature for their business accounts, Bank of America offers it for any type of account.
- Destroy the check properly (making sure your account number is completely illegible) to protect your financial data from prying eyes.
- Keep in mind that the account number and check number can be in two different places, and both must be illegible to ensure the privacy of the depositor.
- Keep the check in a safe place for 14 days. If the check is not accepted or another problem occurs, you will need to return the check to your bank.
