Like most people, you probably do your banking on your computer or phone. However, what happens if you need to deposit a check? You may accomplish it in a few ways, one of which is by utilizing the cash app. Here’s how to use the Cash app to mobile deposit a check!
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How to Use the Cash App to Mobile Deposit Checks (Step-By-Step)
To deposit a cheque using Cash App:
- Tap your balance in the lower-left corner of the Cash App.
- Tap the “deposit a check” option after scrolling down.
- Your desired deposit amount should be entered in dollars. In this case, it would be the sum of the check you are depositing.
- Finally, snap a picture of the check’s front and back when requested. As soon as you sign the check, add “for deposit only” beneath your signature and ensure the check is endorsed.
Paper check specifications:
- You must adhere to a few reasonable conditions to deposit your check using the Cash App.
- The cheque is made payable to you or jointly with another individual.
- It is in your custody and under your management.
- It’s drawn on or payable to a US depository institution, such as a bank or credit union.
- Checks are payable in US Dollars
- Properly signed by the maker
- The maximum amount of the check cannot exceed the amount that Mobile Check Capture allows.
- The date on the check is recorded. It is within the past, but not more than 90 days.
- The cheque has already been paid or deposited, as well as any images.
- Nothing was changed to the check-in in any manner.
- You have signed the check-in in strict accordance with your instructions.
- You are unaware of any reason to believe the check will be dishonored.
In other words, the check shouldn’t be altered, forged, or deposited previously by you or anyone else. It should also be appropriately signed by the issuer, dated, and in good condition.
If this is not done, the drawee bank, or a collecting bank, may file a claim to try and recover the funds.
Do Check Deposit Fees Apply with Cash App?
I phoned Cash App customer support looking for information regarding the costs related to mobile check deposits using the app because I couldn’t find any online. Still, they didn’t have any helpful information.
What to do After Submitting a Check?
If you have deposited a check using the cash app, follow these steps to learn what to do next:
- Go to your cash app account.
- On the left side of the screen, under “My Deposits,” you will see your check deposit.
- To learn more, tap the check you are interested in.
- On the right side of the screen, you will see information about the deposit, such as when it was made, the amount, and what bank it was deposited into.
- To view your check image, tap on “Image.”
- You can also tap “Create Payment Request” to make a payment request for this check or any other deposit you’ve made on the cash app.
Besides this, Cash App also suggests certain things before and after depositing a check. Cash App recommends that you ensure that your contact information is current so they can reach you if necessary.
They could be attempting to reach you by text or email. Be cautious not to click any of the links there. Scammers may be trying to pretend to provide customer support.
The mobile check capture feature of the Cash App won’t indicate that your submission was successful for a few seconds. Additionally, you must safeguard the actual paper check.
You can dispose of the original check after two weeks unless Cash App informs you otherwise.
Cash App Check Deposit Limits
There are limits to how Cash App can deposit checks. Mobile deposit limits are $3,500 per check, up to five checks totaling $7,500 monthly. Attempts to deposit declined checks will count towards your monthly limit of five checks.
How to Check the Limits on Your Cash App
Launch the Cash application and touch the balance ($) symbol.
To find your limits. The Limits menu will be found here. You can tap it to see your send and received limits and the maximum amount you can cash out or add.
How to Increase Cash App Limits
By providing your date of birth, full name, and the last four digits of your Social Security Number, you may authenticate your account and raise any Cash App limitations that are currently set for you.
Be advised that if the business cannot verify your identity using the information above, you may be required to supply more information. It’s customary practice.
How long does it take for a Cash App check deposit to clear?
Cash App normally makes mobile check deposits that are made before 7 PM Eastern time, Monday through Friday, available in your Cash App account within 4 business days.
What Happens If You Experience Issues Using a Cash App to Deposit a Physical Check?
Some users reported that the mobile check functionality was still a bit buggy. Cash App hasn’t yet made the functionality available to all users.
What should you do if your Cash app cannot make a mobile check deposit?
As with all issues, you must contact Cash App customer service first. This is the easiest to do from Cash App.
Contact Cash App Support from Cash App
- Click on the profile icon in the top-right corner of the Cash App.
- Scroll down, then click on “Support.”
- Although you can search for the answer to your question, mobile check depositing is still a relatively new feature. Scroll down and click on “Chat with Support.” You can type in your issue or question, and a Cash App representative (though it might take several hours for a response) will assist you.
Last Words
It is simple to deposit checks into your Cash App account. This feature is enabled. However, the truth is that most people don’t have this feature enabled, and it’s impossible to predict when or if everyone will be able to access this helpful option.
Although checks may go the way of dinosaurs, many still depend on them. We’d love to see this feature enabled for everyone.
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Arun is a self-published author and blogger with a passion for sharing his knowledge and expertise on Tech with people who are looking to find the perfect content for their needs. He tries to furnish you with genuine content about gadgets & tech that can assist you with deciding whether a gadget is appropriate according to your requirements or not.
