Ready to ditch the trip to the bank? Depositing a check online with Truist is a convenient and secure way to get your funds into your account without leaving your home. Whether you're a seasoned digital banking pro or new to the game, this comprehensive guide will walk you through every step, ensuring a smooth and successful deposit.
Let's dive in and make your banking experience easier!
How to Deposit a Check Online with Truist: Your Step-by-Step Guide
Depositing a check online via the Truist Mobile App is a straightforward process. Here's what you need to do:
Step 1: Prepare Your Check - The Crucial First Move!
Before you even think about opening the app, the most vital step is to properly prepare your physical check. Trust me, missing this can cause delays!
Sub-heading: Proper Endorsement is Key
- Sign the Back: Turn your check over to the back. In the endorsement area (usually a blank line or box), sign your name exactly as it appears on the "Pay to the Order of" line on the front of the check.
- Write "For Mobile Deposit Only Truist": This is absolutely critical for mobile deposits. Directly below your signature, you must write "For Mobile Deposit Only Truist." Some checks might have a pre-printed box for mobile deposit, but checking this box alone isn't enough – you still need to handwrite the phrase. Without this specific endorsement, your deposit may be rejected!
- Ensure Legibility: Make sure your signature and the "For Mobile Deposit Only Truist" phrase are clear and legible. Any smudges or illegible writing can cause processing issues.
- Check the Date and Amount: Double-check that the check is dated correctly and that the numerical and written amounts match.
Step 2: Get the Truist Mobile App
If you haven't already, the first thing you'll need is the official Truist Mobile App. It's available for both iOS (Apple App Store) and Android (Google Play Store) devices.
Sub-heading: Downloading and Installation
- Search and Download: Go to your device's app store, search for "Truist Mobile," and download the official app.
- Install: Follow the on-screen prompts to install the app on your smartphone or tablet.
Step 3: Log In to Your Account
Once the app is installed, open it and log in to your Truist account.
Sub-heading: Your Secure Access
- Enter Credentials: Use your Truist Online Banking username and password to log in.
- Biometric Login (Optional): If your device supports it and you've enabled it, you might be able to use Face ID® or Touch ID® for quicker, more secure access.
Step 4: Navigate to the Mobile Deposit Feature
Once you're logged in, you'll need to find the mobile deposit option.
Sub-heading: Locating the Deposit Function
- Look for "Deposit Checks": Typically, you'll find a clear option like "Deposit Checks" or "Mobile Deposit" on the main menu or dashboard. It might be under a "Transfer & Pay" or "Accounts" section. Keep an eye out for an icon resembling a check or a camera.
Step 5: Select the Account for Deposit
You'll be prompted to choose which Truist account you want to deposit the check into.
Sub-heading: Choosing Your Destination Account
- Select Checking or Savings: Tap on the checking or savings account where you want the funds to be deposited. Make sure you choose the correct account!
Step 6: Enter the Check Amount
Carefully enter the exact amount of the check.
Sub-heading: Accuracy is Paramount
- Double-Check: Seriously, double-check this! A typo here can lead to issues with your deposit. Ensure the amount you enter matches the amount written on the check.
Step 7: Capture Images of Your Check
This is where your smartphone's camera comes in handy. You'll need to take clear photos of both the front and back of your endorsed check.
Sub-heading: Tips for Perfect Pictures
- Good Lighting: Find a well-lit area, preferably with natural light. Avoid shadows cast over the check.
- Flat Surface: Place the check on a flat, dark surface that contrasts with the check color. This helps the app identify the edges.
- Steady Hand: Hold your device steady and directly over the check.
- Fit to Frame: Ensure all four corners of the check are within the designated frame on your screen. The app often provides guidelines to help you.
- Focus: Make sure the image is in focus and all details, especially the check amount, payee, and endorsement, are clearly visible.
- Flash (if needed): If lighting is still an issue, you may see an option to turn on your flash in the app. Use it sparingly, as it can sometimes cause glare.
- Front and Back: The app will prompt you to take a picture of the front of the check first, then the back.
Step 8: Review and Confirm
Before finalizing, the app will display a summary of your deposit.
Sub-heading: Final Review Before Submission
- Verify Details: Take a moment to carefully review all the information: the account selected, the amount entered, and the images of the check.
- Check for Errors: If anything looks incorrect, you'll have the option to go back and make corrections.
- Immediate Availability (Optional): Truist may offer an "immediate availability" service for a fee (e.g., 2% for checks over $100, $1 for checks under $100). If you need instant access to funds, this option might be presented. Be aware of the associated fees if you choose this.
Step 9: Submit Your Deposit
Once you're satisfied with everything, tap the "Submit" or "Deposit" button.
Sub-heading: The Final Click
- Confirmation: You should receive an instant confirmation message within the app, indicating that your deposit has been submitted successfully. You might also receive an email confirmation.
Step 10: Keep Your Physical Check (Temporarily!)
Do not throw away your check immediately after depositing it online.
Sub-heading: Retention Guidelines
- Secure Storage: Keep the physical check in a safe place for a reasonable period, typically 14 days, in case there are any issues with the deposit or if Truist requires further verification.
- Mark as Deposited: It's a good practice to write "Deposited" and the date on the front of the check to avoid accidentally depositing it again.
- Shredding: After the recommended holding period and confirmation that the funds are fully available in your account, shred the check to protect your personal information.
Frequently Asked Questions (FAQs)
Here are 10 common questions related to depositing checks online with Truist:
How to find the mobile deposit feature in the Truist app?
Look for "Deposit Checks" or "Mobile Deposit" on the main menu or dashboard, typically under "Transfer & Pay" or "Accounts."
How to endorse a check for Truist mobile deposit?
You must sign the back of the check and write "For Mobile Deposit Only Truist" directly below your signature.
How to ensure a successful photo capture for mobile deposit?
Use good lighting, place the check on a contrasting flat surface, ensure all four corners are within the frame, and make sure the image is clear and in focus.
How to know if my Truist mobile deposit was successful?
You will receive an instant confirmation message in the app, and often an email confirmation as well. You can also check your account activity.
How to check the status of a pending Truist mobile deposit?
You can typically view pending transactions within your Truist Mobile App or Online Banking account details.
How to avoid holds on Truist mobile check deposits?
While holds can sometimes occur, proper endorsement, clear images, and ensuring the check is from a valid source can help. Truist generally makes funds available the next business day, unless a hold is placed.
How to get immediate access to funds from a mobile deposit with Truist?
Truist may offer an "immediate availability service" (IAS) for a fee (e.g., 2% for checks $100+, $1 for checks under $100). This option will be presented during the deposit process if available.
How to fix a rejected Truist mobile deposit?
If your deposit is rejected, carefully review the reason provided. Common issues include improper endorsement, blurry images, or incorrect amounts. Re-endorse the check correctly, take new photos, and try again. If issues persist, contact Truist customer service.
How to find my daily mobile deposit limit with Truist?
Truist has deposit limits, but these are not always publicly listed as fixed amounts and can vary based on your account history and relationship with the bank. If you have questions about your specific limit, you may need to contact Truist customer service directly.
How to contact Truist customer service for mobile deposit issues?
You can contact Truist customer service by calling 844-4TRUIST (844-487-8478) during their business hours or visiting their website for other contact options.
