Ready to ditch the trip to the bank and deposit checks right from your phone? Mobile deposits are incredibly convenient, but understanding how long it takes for a mobile deposit to go through Truist is key to managing your finances effectively. It's not always an instant process, and a few factors can influence when your funds become available. Let's break it down step-by-step!
The Mobile Deposit Lowdown: How Long Until Your Money is Ready at Truist?
You've snapped a clear picture of your check, hit "deposit," and now you're wondering: when can I actually use this money? For Truist, the general rule of thumb for standard mobile check deposits is that funds are typically available the next business day after the deposit is received. However, there are nuances and important cut-off times to be aware of.
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| How Long Does It Take For A Mobile Deposit To Go Through Truist |
Step 1: Are You Ready to Go Mobile? (Engage!)
Before we dive into the nitty-gritty of timing, let's make sure you're all set up for a smooth mobile deposit experience with Truist. Do you have the Truist Mobile Banking app downloaded on your smartphone? If not, that's your very first step! Search for "Truist Mobile" in your device's app store (Google Play Store for Android, Apple App Store for iOS) and get it installed. You'll need your Truist online banking credentials to log in.
Step 2: Understanding the Cut-Off Time – The Golden Hour (or Minute!)
This is perhaps the most crucial factor in determining when your mobile deposit will process.
Sub-heading: The 9 PM ET Deadline
For most Truist mobile check deposits with standard availability, the cut-off time is 9:00 PM ET (Eastern Time) on banking days (Monday through Friday, excluding federal holidays).
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What does this mean for you? If you make your mobile deposit before 9:00 PM ET on a business day, it's considered received on that day, and the funds will generally be available the next business day.
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What if you deposit after 9:00 PM ET? If you deposit after this cut-off time, or on a weekend or federal holiday, your deposit will be treated as if it was made on the next business day. This means your funds won't be available until the business day after that.
Example: You deposit a check via mobile banking at 10:00 PM ET on a Tuesday. This deposit will be processed on Wednesday, and the funds will typically be available on Thursday. If you deposit at 2:00 PM ET on a Saturday, it will be processed on Monday (the next business day), and the funds will typically be available on Tuesday.
Step 3: Standard Availability vs. Immediate Availability (IAS)
Truist offers different availability options for mobile deposits.
QuickTip: Keep going — the next point may connect.
Sub-heading: Standard Availability – The Most Common Scenario
As mentioned, with standard availability, your funds are generally available the next business day after the deposit is received (assuming it meets the cut-off time). This is the default and most common option for mobile deposits. The funds become available after Truist's nightly processing.
Sub-heading: Immediate Availability Service (IAS) – Get Your Money Sooner (Fees Apply!)
Truist may offer an Immediate Availability Service (IAS) for certain mobile deposits. If this option is presented to you and you accept it, your available balance will be increased by the amount of the deposited item (minus any applicable fees) at the time the deposit is made.
- Important Note on IAS:
- This service is not available for all checks or all customers. It's offered on a per-item basis.
- There is typically a fee associated with IAS. For checks $100 and over, the fee is generally 2% of the check amount. For checks under $100, a $1 fee usually applies. Checks under $5 are typically not eligible for IAS.
- Even with IAS, funds from checks deposited by 11:59 PM ET will be included during nightly processing.
Step 4: Potential Holds and Exceptions – Why Your Funds Might Be Delayed
While the "next business day" rule is common, there are circumstances where Truist might place a hold on your deposit, delaying when the funds become fully available.
Sub-heading: Common Reasons for Deposit Holds
- New Customer: If you're a new customer, the bank might place a hold until your account relationship is more established.
- Large Deposit Amount: Very large check deposits (e.g., $50,000 or more) may be subject to longer holds.
- Repeated Overdrafts: A history of overdrafts on your account can lead to holds being placed on new deposits.
- Suspicion of Fraud: If the bank suspects the check might not be honored (e.g., a questionable check, or if the account it's drawn on has issues), they may place a hold to verify the funds.
- Missing or Improper Endorsement: If your check isn't properly endorsed (e.g., missing your signature, or "For Mobile Deposit Only at Truist" not written below your signature), it could be delayed or even rejected.
- Previous Problematic Deposits: If you've had issues with past mobile deposits, Truist might exercise caution.
Sub-heading: How Long Do Holds Typically Last?
Deposit holds can generally last from 2 to 7 business days, depending on the reason for the hold. In some cases, longer hold times may apply. Truist is required to inform you if a hold is placed, usually through the app, email, or a letter. This notification should also indicate when you can expect the funds to be available.
Step 5: How to Check Your Mobile Deposit Status
You've made the deposit, and you're waiting. How do you know if it went through or if a hold was placed?
QuickTip: Scroll back if you lose track.
Sub-heading: Via the Truist Mobile Banking App
The Truist mobile app is your best friend for tracking deposits. After making a mobile deposit, you should receive a confirmation message within the app. You can usually navigate to your account history or a specific "Check Deposits" section to see the status of your pending or processed deposits. It will often show "Pending" until the funds are fully available.
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Sub-heading: Through Truist Online Banking
You can also log in to your Truist online banking account from a computer. Similar to the app, you'll be able to view your account activity and the status of your deposits.
Sub-heading: Contacting Truist Customer Service
If you're unsure about the status of a deposit or have concerns, don't hesitate to reach out to Truist customer service directly. They can provide specific details about your deposit and any holds.
Maximizing Your Mobile Deposit Experience
To ensure your mobile deposits go through as quickly and smoothly as possible, keep these tips in mind:
- Endorse Properly: Always sign the back of your check and write "For Mobile Deposit Only at Truist" below your signature. This is a crucial step to prevent delays or rejections.
- Good Lighting & Clear Images: Take photos in a well-lit area with no shadows. Make sure all four corners of the check are visible and the image is clear and in focus. The check amount and routing/account numbers must be legible.
- Flat Surface: Place the check on a dark, plain, and flat surface for the best contrast.
- Avoid Creases: Ensure the check is not folded, wrinkled, or torn.
- Deposit Early: If you need the funds quickly, try to make your deposit well before the 9:00 PM ET cut-off time on a business day.
- Keep the Physical Check: Don't immediately discard the physical check after depositing it. Keep it in a secure place for a few days (typically 5-10 business days) until you've confirmed the funds are fully available in your account. This is important in case there are any issues with the digital deposit and you need to resubmit or present the original check.
10 Related FAQ Questions
How to Check My Truist Mobile Deposit Limit?
Your mobile deposit limits with Truist can vary based on factors like your account history and relationship with the bank. While there isn't a universally published limit, you can usually find your specific mobile deposit limits within the Truist Mobile Banking app when you initiate a deposit, or by contacting Truist customer service.
Note: Skipping ahead? Don’t miss the middle sections.
How to Endorse a Check for Truist Mobile Deposit?
To properly endorse a check for Truist mobile deposit, you must sign your name on the endorsement line on the back of the check, and below your signature, write "For Mobile Deposit Only at Truist".
How to Avoid Holds on Truist Mobile Deposits?
To minimize the chance of a hold, ensure your account is in good standing, endorse checks properly, avoid depositing unusually large amounts if you're a new customer, and ensure the check itself is legitimate and clearly photographed.
How to Fix a Rejected Truist Mobile Deposit?
If your Truist mobile deposit is rejected, you'll usually receive a notification with the reason (e.g., improper endorsement, unclear image, duplicate deposit). Correct the issue (e.g., re-endorse, retake photos) and attempt to deposit the check again. If problems persist, visit a Truist branch or contact customer service.
How to See if My Truist Mobile Deposit is Pending?
You can check if your Truist mobile deposit is pending by logging into your Truist Mobile Banking app or online banking. Navigate to your account activity or a specific "Check Deposits" section, where you should see the status of your recent deposits.
How to Deposit a Check on a Weekend with Truist Mobile?
You can deposit a check on a weekend using the Truist Mobile Banking app. However, it's important to remember that weekends are not considered business days. Your deposit will be processed on the next business day (typically Monday, unless it's a holiday), and funds will generally be available the business day after that.
Tip: Revisit challenging parts.
How to Use Immediate Availability Service (IAS) for Truist Mobile Deposit?
If Immediate Availability Service (IAS) is an option for your mobile deposit, it will be presented to you during the deposit process within the Truist Mobile Banking app. You'll be shown the associated fee, and you'll need to explicitly accept the terms to utilize this service.
How to Contact Truist Customer Service for Mobile Deposit Issues?
You can contact Truist customer service for mobile deposit issues by calling their main customer service line at 844-4TRUIST (844-487-8478), or by visiting a local Truist branch.
How to Know When Funds from a Truist Mobile Deposit are Fully Available?
You'll know funds from a Truist mobile deposit are fully available when the amount is reflected in your "Available Balance" within your Truist Mobile Banking app or online banking. You may also receive an email notification confirming the deposit's completion.
How to Deposit Multiple Checks with Truist Mobile?
Truist mobile banking allows you to deposit multiple checks, but typically you will need to deposit each check individually. Follow the mobile deposit steps for each check, ensuring proper endorsement and clear images for every item.
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