Have you ever found yourself with a check in hand, but no time to get to the bank? Or maybe you're out of town and need to deposit a payment quickly? Thanks to modern banking, those days are largely over! With the Truist Mobile App, depositing a check is as easy as snapping a few photos. This comprehensive guide will walk you through every step, ensuring a smooth and successful mobile deposit.
Step 1: Get Ready to Roll – Your Pre-Deposit Checklist!
Before we dive into the app, let's make sure you're all set up for success. This first step is crucial to avoid any hiccups later on.
1.1 Download and Log In to the Truist App
- Do you have the Truist Mobile App installed on your smartphone? If not, head over to your device's app store (Google Play Store for Android, Apple App Store for iOS) and search for "Truist Mobile." Download and install it.
- Are your login credentials handy? You'll need your Truist username and password. If you've forgotten them, use the "Forgot Username" or "Forgot Password" links on the login screen to recover them.
1.2 Prepare Your Check for Deposit
This is perhaps the most important part of the pre-deposit process. A properly endorsed check is essential for a successful mobile deposit.
- Sign the Back: Turn your check over to the back. There will be a line for your signature. Sign your name exactly as it appears on the "Pay to the Order of" line on the front of the check.
- Add the Mobile Deposit Endorsement: This is a mandatory requirement for mobile check deposits at most banks, including Truist. Legibly write "For Mobile Deposit Only" directly below your signature. Some checks might have a pre-printed box for mobile deposit – checking this box alone is not enough. You must still write out the phrase.
- Ensure it's within limits: Be aware that Truist, like other banks, has daily and per-check deposit limits for mobile deposits. While specific limits can vary based on your account type and history, it's generally a good idea to check the Truist website or app for the most current information if you're depositing a large amount. For business accounts using Remote Deposit Capture, there might be no daily deposit or transaction limits, but this is a separate service from consumer mobile deposits.
- Check for Legibility: Make sure all written information on the check (payee name, amount in words and numbers, date, and your endorsement) is clear and legible. Any smudges or unclear writing could cause issues.
- Lay it Flat: Find a well-lit area with a dark, solid-colored background to place your check. This will help the app capture a clear image. Avoid patterned surfaces, shadows, or glare.
Step 2: Navigating the Truist App to Initiate Deposit
Now that your check is ready, let's open the app and begin the deposit process.
2.1 Launch the Truist App
- Tap the Truist app icon on your smartphone to open it.
- Log in using your username and password, or Face ID/Touch ID if enabled.
2.2 Find the Deposit Option
Once you're on your dashboard (the main screen after logging in), look for the deposit option.
- You'll typically find a "Deposit" or "Check Deposit" button or tab. This might be prominently displayed on the bottom menu bar or within a main menu (often represented by three horizontal lines, a "hamburger" icon, in the top corner).
- Tap on "Deposit" to proceed.
2.3 Agree to Terms and Conditions
- For your first mobile deposit, or if there have been updates, you may be prompted to review and agree to the terms and conditions for remote check deposit. Read them carefully and then tap "Agree" or "Accept" to continue.
2.4 Select the Deposit Account
- The app will ask you to choose which Truist account you want to deposit the check into (e.g., your checking account, savings account). Select the appropriate account from the list.
Step 3: Capturing Clear Images of Your Check
This is where the magic happens! The Truist app will guide you through taking pictures of your check.
3.1 Capture the Front of the Check
- A screen will appear with instructions on how to take the photo. Tap "Continue" when you're ready.
- Place your check flat on the dark, solid-colored surface you prepared.
- Hold your phone directly above the check, ensuring the entire check fits within the guidelines on your screen.
- The app is designed to auto-capture the image when it's in the correct position and focus. Try to hold your hand steady.
- Troubleshooting Tip: If the app is struggling to auto-capture, ensure there are no shadows, the lighting is good, and the check is completely flat. Some apps offer a manual capture option (look for a "Manual" toggle in the top right corner), which allows you to tap the screen to take the picture yourself.
3.2 Capture the Back of the Check
- Once the front is successfully captured, the app will prompt you to turn the check over to the back.
- Repeat the process: place it flat on the dark surface, align it within the guidelines, and allow the app to auto-capture (or manually capture) the image.
- Double-check that your signature and "For Mobile Deposit Only" endorsement are clearly visible in the image. This is a common reason for rejected deposits.
Step 4: Confirming Deposit Details and Submitting
You're almost there! Just a few more checks and you'll be done.
4.1 Verify the Deposit Amount
- After capturing both images, the Truist app will often automatically detect the check amount.
- Carefully review this amount to ensure it matches the written and numeric amounts on your check.
- If the amount is incorrect or wasn't detected, manually enter the correct deposit amount into the designated field.
4.2 Review All Information
- Take a moment to review all the details on the confirmation screen:
- The account you're depositing into.
- The deposit amount.
- The images of the front and back of the check.
- Ensure everything looks correct.
4.3 Submit Your Deposit
- Once you're satisfied, tap the "Submit" or "Deposit" button to finalize your mobile check deposit.
- You'll usually receive a confirmation message on the screen and possibly an email confirmation of your deposit submission.
Step 5: What Happens Next? Funds Availability and Keeping Your Check
The deposit is submitted, but the process isn't quite finished.
5.1 Funds Availability
- Standard Availability: Generally, funds from mobile check deposits are available the next business day after the deposit is received. Truist processes transactions during nightly processing on business days (Monday through Friday, excluding federal holidays). If accepted, your deposit will be included in this processing.
- Immediate Availability (with fee): Truist may offer an option for immediate availability of funds for a fee. This is typically a percentage of the check amount (e.g., 2% for checks $100 and over, or a flat fee for checks under $100). The fee amount will be disclosed before you choose this option. If you select immediate availability, the funds will be added to your available balance at the time the deposit is made, assuming it's accepted. This option is currently available for mobile and ATM check deposits.
- Deposit Holds: In some cases, Truist might place a hold on your deposit, which delays when the funds become available. This can happen for larger checks (over $5,525), new accounts, or if there's a concern about the check's collectibility. Holds generally last from 2-7 business days, but longer holds may apply. If a hold is placed, Truist will usually notify you via the app, email, or a letter.
5.2 Retain Your Physical Check
- Do NOT discard your physical check immediately! It is highly recommended to keep the original check in a safe place until you are certain the deposit has fully cleared and the funds are accessible in your account.
- Banks typically recommend holding onto the physical check for at least 7-14 days, or until the deposit appears in your account's transaction history and the funds are fully available.
- Once the deposit is confirmed and cleared, you can securely shred the check. Never throw a check with your account information directly into the trash.
Congratulations! You've successfully deposited a check using the Truist App!
This convenient feature saves you time and allows you to manage your finances on the go.
10 Related FAQ Questions
Here are some frequently asked questions about depositing checks with the Truist app:
How to ensure my check images are clear?
Place your check on a dark, solid-colored surface in a well-lit area without shadows. Hold your phone steady and directly above the check, ensuring all four corners are within the app's guidelines.
How to endorse a check for mobile deposit with Truist?
Sign the back of the check, and directly below your signature, write "For Mobile Deposit Only" clearly and legibly.
How to find my mobile deposit limits with Truist?
Deposit limits can vary. You can often find your specific mobile deposit limits within the Truist Mobile App's deposit section, or by contacting Truist customer service directly.
How to know if my mobile deposit was successful?
After submitting, the app will usually display a confirmation message. You can also check your account's transaction history within the app to see if the deposit is pending or posted. You might also receive an email confirmation.
How to get immediate access to funds from a mobile deposit?
Truist may offer an "immediate availability" option for a fee. This fee is typically a percentage of the check amount and will be disclosed to you before you choose this option. Standard deposits are usually available the next business day.
How to resolve issues if my mobile deposit is rejected?
If your deposit is rejected, the app will often provide a reason (e.g., unclear image, incorrect endorsement). Review the requirements, correct any issues, and attempt the deposit again. If you continue to experience problems, contact Truist customer support or visit a branch.
How to contact Truist customer support for mobile deposit issues?
You can contact Truist customer service by calling their main number (often found on their website or within the app's contact section) or by visiting a local Truist branch.
How to avoid common mistakes when using mobile deposit?
Always ensure the check is properly endorsed ("For Mobile Deposit Only"), the images are clear and well-lit, the amount entered matches the check, and you keep the physical check until the deposit clears.
How to handle a large check deposit with the Truist app?
For larger checks, be aware that Truist may place a hold on the funds. While mobile deposit limits apply, if the amount exceeds certain thresholds, the funds may not be immediately available. Check your Truist account agreement for specific large deposit policies.
How to view my mobile deposit history in the Truist app?
Within the Truist app, navigate to your account details or a "Deposit History" section, where you should be able to view a record of your past mobile deposits.