How to Use Mobile Check Deposit

Author: Mo Nammari, Branch Manager 03/11/2021

Depositing checks has never been easier or more convenient thanks to the growing popularity of mobile check deposit technology. No longer are customers required to visit a bank branch or ATM to deposit checks into their accounts. Instead, checks can be deposited as soon as you get them and from anywhere using your smartphone and your bank’s mobile app. But it’s important to make sure you follow a few simple guidelines to make sure your deposits are credited to your account without unnecessary delays.

Endorse and sign

Before depositing a check, make sure it is endorsed and signed properly. For instance, PlainsCapital customers should endorse mobile deposit checks with “For mobile deposit only, PlainsCapital Bank” in addition to their signature. If not endorsed correctly, the check cannot be processed. Next, select the checking or savings account you want your check to be deposited into.

Log into your mobile banking app

PlainsCapital Bank customers can get access to the mobile check deposit feature by downloading the PlainsCapital mobile app onto their smartphone or other smart device. Once logged into your account, choose the mobile check deposit option from the app’s menu and select the account in which you want to deposit the check (i.e. checking or savings).

Snap a photo

Now that you have found the appropriate screen within the mobile app, enter the check’s amount, then use your smartphone camera to capture images of both the front and back of the check. It’s recommended to place your check on an uncluttered, flat surface to ensure the image is clear and easy to read. This allows for faster processing, too. Lastly, review the details of the deposit to ensure the information is correct and click submit.

Once complete, you should keep the paper copy of the deposited check for up to 30 days in case there are issues with the deposit. It’s also important to note that many banks place limits on the amount of money you can deposit daily using mobile deposit.

Bank on the go with the top-rated mobile banking app in Texas

Mobile check deposit is a simple, convenient way to get your money into your account quickly and with ease. To learn more about PlainsCapital Bank’s mobile deposit and other mobile banking features within our top-rated mobile app, call us at 866.303.0557 or visit your local branch today.

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