Learn how to Endorse a Examine for Cellular Deposit

With the invention of distant deposit seize,¹ now you can deposit checks by way of your smartphone with out stepping foot in a financial institution. Right here’s tips on how to endorse a verify for a cell deposit:

Confirm the data on the verify 

Earlier than signing the again of your verify, take just a few seconds to look over the data written on the entrance. 

Be sure that the payee’s title (your title) is spelled accurately and that the verify quantity is correct. Additionally, although some banks will honor expired checks (older than six months),² confirm the difficulty date and make sure the verify isn’t too previous. 

If there’s lacking data or an error in your verify, contact the one that wrote you the verify and ask them to ship you a brand new one. 

Discover the endorsement space

When you’ve verified the data on the entrance aspect of the verify, flip it over. The endorsement part has a heading like “Endorse Examine Right here.” Each verify might look completely different, however you’ll usually see three to 5 gray strains within the endorsement space the place you’ll be able to signal and write. 

Present your signature 

Most checks have a stable black line on the backside of the endorsement space that reads, “Don’t write, stamp, or signal under this line. Reserved for monetary establishment use.” Attempt to preserve your signature inside the endorsement space (on the gray strains) to keep away from any issues together with your financial institution. 

Embody a restrictive endorsement 

When you’ve discovered the endorsement part, use a black or blue ink pen to signal your title. Under the signature, most banks would require you to incorporate a restrictive endorsement like “For cell deposit solely.” When you don’t write this, banks can reject your cell deposit. 

The precise wording may fluctuate relying on the monetary establishment, so verify your financial institution’s cell deposit coverage beforehand. You need to see directions for restrictive endorsements in your cell app as you make your cell verify deposit.

Examine for errors 

Earlier than taking photos of your verify and importing it onto your cell banking app, verify for errors within the endorsement part. Search for any misspellings or inaccurate data that might make the financial institution reject or delay your deposit. 

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