How to Deposit Checks With the Bank of America iPhone App

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The Bank of America iPhone app has a feature that allows you to deposit your checks right from your phone. Use this article to find out how to deposit a check from your phone, and you won't have to travel to the bank ever again.

Steps

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  1. Download, install and open the Bank of America app from the Apple AppStore (or update the app to the update past August 7, 2012). If running this app on Android smartphone, update your app there too to the updated version taking place on August 16, 2012).
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  3. If this is the first time, you'll need to tell them (via the verification button) that you acknowledge that you would like to use this service.
  5. Hold the iPhone directly over top of the check so that the entire check fits into the display, and so that it is completely still.
  6. Make sure to provide plenty light. A blurry picture at this point will require you to rescan the check.
    • If the users iPhone has a flash on the front built into the device, give it some light and the device will build in more light via the flash if needed.
  7. Endorse the check's back with "For Deposit" or "For Deposit Only" (both will work, though the app says that For Deposit Only is the one it wants to see).
  9. Flip this document 180 degrees upwards and rescan this side of the check, so the portion you signed with "For Deposit Only" appears on the left side of the image and the "Original Document" watermark appears upside-down in the image.Use the example image to ensure your image scan will be accepted. Hold your iPhone camera over top of this side of the check
    • Select the account you'd like to deposit the check to.
  11. This is a verification box, as the phone isn't able to discern the ICR (Intelligent Character Recognition) image from the check just yet.
  12. Make sure to end the amount with your cents portion (even if the check is for an even-dollar amount), you'll need to enter 00 for this portion.
    • Tap the "Continue" button when you are finished.
  16. Tap the Done button, once you have written down your Confirmation number.
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Community Q&A

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  • Question
    If someone endorsed a check over to me, can I deposit it in my account?
    Community Answer
    Yes.
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  • Question
    Will the money be on my account right away?
    Donagan
    Top Answerer
    It usually takes two or three business days for a deposited check to be credited to an account, sometimes longer depending on where the check originated. Check with your bank.
    Thanks! We're glad this was helpful.
    Thank you for your feedback.
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  • Question
    How do I know if I already mobile deposited a check?
    Christopher
    Top Answerer
    You'll get a push notification on your phone, saying it's in the process of depositing. Check it the next day via the app.
    Thanks! We're glad this was helpful.
    Thank you for your feedback.
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      Video

      Tips

      • If the image was a bit blurry, move to a more lit area or provide more light and rescan each side the app marks with an "x" (within a square) icon.
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      • Destroy the check through a shredding process (can be as simple as fully tearing the check up and making sure the routing and account numbers are completely unreadable) to ensure no financial evidence can be left to prying eyes (in a negative way).
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      • The Android phone update that added this feature was set on 8/16/2012, so update app accordingly.
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      Warnings

      • At this time(09/2013), you can't make a deposit to an IRA account as an account contribution, no matter how hard you try. There is no option in the list for you to do as such. (This is because contributions can only be made in cash amounts and not via check!)
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      Things You'll Need

      • iOS device
      • Bank of America app
      • Check to deposit (any check will do)
      • Pen (to write "For Deposit")
      • Bank of America account (checking or savings account)

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      References

      1. http://learn.bankofamerica.com/products/money-management/mobile-check-deposit.html?cm_sp=OLB-MobileBanking-_-OLB-MobileBanking-_-OMT1C13A_sc_mcd_arn515e_s.gif

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