The cash app surely has many ways to deposit money but Can You Deposit a Paper Check on Cash App?
Earlier Cash App was testing its mobile check deposit feature and was only rolled out to selective users but now you can use Mobile Check Capture Cash App feature and deposit your checks anytime.
In this article, I will first explain what exactly is Mobile check capture feature is in Cash App and then a step-by-step guide on how can you deposit a check on Cash App.
Cash App Check Deposits
Cash App is a very popular app and is used by millions and its popularity is ever increasing. There were three ways that Cash App users were able to deposit money to their Cash App accounts before.
- Bank account
- Add cash to their Cash App account from retail stores
- Requesting other users to add cash to their accounts.
Now there is another way to add money to your account and that is by using the “Mobile Check Capture” Cash App feature. You can now deposit your check directly to your account without stepping out of your room.
All you have to do is take a snap of your check and then let the Cash App do the heavy lifting. Sounds good, No? Let’s see what exactly is this Mobile Check Capture feature and how can you use it to deposit the check.
I have written all the steps that you will need to deposit a mobile check, read carefully to avoid any trouble with depositing your first Mobile Check on Cash App.
Let’s dive in…
What is Mobile Check Capture Cash App?
It is a great feature introduced by Cash App that anyone can use to deposit checks to their bank account. It is definitely a very convenient way. Forget about wasting your time going to the bank and waiting for your turn.
All you need to do is use the Mobile Check Capture feature on Cash App.
How to Deposit a Check on Cash App?
You can deposit checks on Cash App by using its “Mobile Check Capture” feature. Follow these steps to deposit your check on Cash App.
Step 1: Verify Your Cash App Account Details
If this is your first time using the Mobile check capture Cash App, I would highly recommend that you first verify your contact detail on Cash App. These details need to be accurate as Cash app representatives will be contacting you using these details.
Make sure that
- Your Email address is up to date
- You are using the mobile phone number that is in your account details
Once you have verified and updated your contact information we will be heading towards the second step of the Mobile Check Capture Cash App feature.
Step 2- Take a picture of the Check
Take a clear picture of the check that you want to deposit on the Cash App. Make sure that the writings are clear, the place has enough light and you take a picture of the complete check. It is better to place the check on a flat surface and then take a picture.
Remember, poor quality, blurry and incomplete pictures will be rejected. This will result in a waste of time and will definitely frustrate you.
So it is better to set everything straight from the start.
Step 3- Review the Check
Once you have taken a snap, you need to recheck every detail before depositing it on Cash App. Make sure that
- Every detail is visible
- Your name, date, amount, signatures, etc are legible
- The picture is complete
- The photo is not blurry
Mobile Capture Check Cash App feature is handy but it can take more time if you don’t pay attention to smaller details. Don’t risk the rejection of your eCheck.
Step 4- Deposit Mobile Check on Cash App
Now you have to submit the picture of the check on the Cash App using the “Deposit Check” feature. This picture will be your electronic check.
Cash App will receive your check and they will match the details and confirm your information from your bank. This might take some time. So if you are in a hurry you might consider not using the “Mobile Check Capture” Cash App and go to the bank instead.
Keep the paper check safe with you until your electronic check is approved.
Step 5- Wait for the Review
Once the check is deposited, you will have to wait for a bit. Cash App will manually review your check. They will verify the details from the relevant bank. Cash App makes it clear in it “Mobile Check Capture” Terms and conditions that your check can be rejected even if your account is eligible and doesn’t violate any guidelines.
In this case, the paper check that you are keeping safe can definitely be used.
Step 6- Check Acceptance Notification
Once the Cash App team has gone through all the details of your mobile check, they will send you a confirmation email. That is why you need to have your contact information up to date.
If your check is rejected you will also be contacted through the email address that you have provided.
Once you have received the confirmation email, you can relax because now the money is on its way. I will advise you to keep the paper check safe for at least two weeks. Because Cash App got the “right to revers decision to accept an electronic check”
Why keep the check for two weeks? Because it may take up to two weeks for the money to get into your account.
Step 7- Verify and use the funds
After the acceptance of the check and final confirmation Email, verify that you have received the money in your Cash App account. You can then use the money that you have deposited in your account using the “Mobile Check Capture” Cash App feature.
It is now time to destroy the paper check that you have been keeping safe.
Is Mobile Check Deposit on Cash App Safe?
Cash App always takes extra measures to keep its customers safe. Mobile Check captures and deposits are as safe as any other online banking features. If you are careful and follow the instructions you are safe and it is very unlikely that you face any issues.
All the data on Cash App is encrypted and is end-to-end protected.
However, this doesn’t make the system fool-proof. You still have to be aware of scammers and fraudsters. Cash App Mobile Check deposits can be used by scammers too. Here is how you can get scammed on Cash App.
I would advise never to accept an electronic check from someone you don’t know. Always take the paper check from unknown people because it is hard to make a fake paper check than to make a fake eCheck.
Drawbacks of Mobile Check Deposits
I know it is very intriguing and sounds so cool just to take a snap and wait for your account to be credited with the money. It is my duty to tell you some of the drawbacks of mobile check deposits.
1- Deposit limits
Banks have the authority to limit the amount that you can deposit through mobile. It depends on your bank of course. Banks usually put monthly or daily limits on the amount that you can deposit through mobile checks.
2- Your Bank can return a deposit anytime
Your check can bounce for any reason. Just like the way your check can bounce at a bank it can bounce even if you deposit it through your mobile phone. The bank has the right to return the deposit even after you have received the confirmation.
3- Bank can put a hold on mobile captured checks
Your bank holds the right to put a hold on your mobile captured checks just like it can put a hold on any other check. You will often get the excuse “delayed availability of funds” if you deposited a check late in the day.
4- The wrong picture issues
This is one of the most common problems that customers often face. It can be tricky to take a snap of your check. Luckily many a
pps have the option that helps the user to correctly align the check before taking a snap. Without this it really is annoying.
5- Endorsing is necessary
You will still have to go through the same formal procedures. You will have to endorse the check by signing at the back of it. You will also have to mention “For mobile deposits only”.
6- Keep the check safe
After submitting the check online doesn’t mean that you can throw it away. you will have to keep your physical check safe for some days. Keep it for at least 5 days and if you are too careful keep it for 15 days.
Can You Deposit a Paper Check on Cash App?
Mobile Check Capture Cash App works exactly the same way as you will deposit a check in a bank. You will need a check, you have to submit it to Cash App and they will verify the check and then deposit the money in your account.
The only difference in Mobile Check Capture Cash App is that you will have to submit a picture of the check instead of the physical check.
You will have to give Cash App access to your device’s Camera. Because then you will be able to take a snap of the check using the Cash App “Mobile check capture” feature.
How Long Does Cash App Mobile Check Deposit Take?
You need to understand the fact that Cash App is acting as a third party here. When you will deposit a check from your mobile. It may take more than expected. The reason is that Cash App will have to confirm all the details from your bank first.
You can deposit Mobile checks other than Saturday, Sunday, and federal holidays.
Am I eligible for Mobile Check Capture Cash App?
Are you trying to use the Mobile check capture cash app but your checks are being always declined? here is a checklist that shows if you are eligible for the Cash App mobile check deposits.
- Make sure that you have a verified Cash App Account
- The check must be payable in USD
- You have signed the check correctly
- Make sure that your check is not postdated.
- The check has to be in your possession.
- The check should be issued by the Banks of the U.S
- You have taken a clear photo of the Check
- Make sure that the check is not tweaked.
Consequences of Fake Mobile Check Deposit?
Your check will be declined by Cash App and if you keep on repeating maybe they will flag your account.
Once flagged your activity will be monitored by Cash App and you might get your account suspended. You won’t get any criminal charges if you have submitted a fake check through Mobile Check Capture Cash App unknowingly. In that case, it is advised you contact Cash App Customer Support.
The most possible result will be that Cash App will reject your check.
Can I get Mobile Check Capture Deposits immediately?
Mobile check deposits take a little longer than a usual check deposit in banks. It is because Cash App takes some time to verify the account details.
Once you submit your check, Cash App will verify each and every detail. They will verify if the bank account from which you want to deposit the check has sufficient funds.
It also depends on when you submitted your check. Check submitted on business days will be deposited to your account quicker than the check deposited on weekends.
As for the banks in the U.S check deposits are available in your account the next day after the deposit. Regular check deposits are free and are credited within 1-3 business days. However instant deposits are not free, you will be charged a 1.3% fee and the amount will be credited to your account instantly.
Why is My is Mobile Check Caputer delayed?
This delay may occur due to multiple reasons stacking upon each other. Cash App takes time to verify your check. Then your bank may hold your check if the amount you deposited is large. If there is a holiday after you deposited a check. Your bank may also hold your check if you have deposited unpaid checks in the past.
Reasons for the decline of Mobile Check deposits.
There could be multiple reasons for which your mobile check gets declined.
- If the check is not written by the person himself
- If the is not in your possession
- If the payee and the owner are not the same
- Your check will be declined if it is not payable in USD
- The check is postdated, torn, or not legible.
- If the picture of the check is not clear
- The check is not properly signed.
Can I submit Mobile Capture Check again?
If you are thinking of depositing the same check twice then this is not possible, it will be rejected right away. However, you can deposit a new check using the Mobile Check Capture feature Cash App again.
It is better to wait till your first check has been successfully deposited.
Cash App has always provided amazing features to its customers. You Can Cash a Check or Mobile Check Capture using Cash App. It is a wonderful feature that saves a lot of time. Now you don’t have to go to the bank to deposit your paycheck. YOu can simply use the Cash App Mobile Check Capture feature and add money to your account. Are you interested in getting free money on Cash App, these 13 sources give free money on Cash App.
It is not as fast as it should be but it works. If you are not in a hurry you should definitely use this service.
Make sure that the check you are trying to deposit has the correct details. The picture of the check that you take using Mobile check capture should be clear and is readable. Do not destroy the check until your account has been credited with the money.
Avoid accepting electronic checks from strangers as they might try to scam you. There are so many ways your account can be hacked.
I hope this article was helpful and has given you the information that you were looking for. Please share your thoughts and wonderful ideas in the comments. As your comments are helpful to me and many others.