Tired of rushing to a branch or ATM to deposit a check? In today's fast-paced world, convenience is king, and mobile deposit is a true game-changer! Imagine depositing a check from the comfort of your couch, during your lunch break, or even while traveling. Truist's mobile deposit feature makes this a reality, saving you time and effort. This comprehensive guide will walk you through every step of the process, ensuring a smooth and successful deposit every time.
How to Do Truist Mobile Deposit: Your Complete Step-by-Step Guide
Ready to experience the ease of mobile banking? Let's dive in!
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| How To Do Truist Mobile Deposit |
Step 1: Get Ready for Your Mobile Deposit
Are you excited to ditch the traditional bank run? Before you even open the Truist mobile app, there are a few crucial preparatory steps to ensure your mobile deposit goes off without a hitch.
A. Prepare Your Check
This is perhaps the most important part. A properly prepared check is key to a successful mobile deposit.
- Flat Surface: Place your check on a solid, dark-colored, plain surface. This provides good contrast and helps the app's camera focus clearly. Avoid busy patterns or reflective surfaces.
- Good Lighting: Ensure the area is well-lit, but avoid casting shadows over the check. Natural light is often best. If necessary, you can use your phone's flash, but sometimes it can cause glare.
- Smooth and Uncreased: Make sure your check is flat and free of any folds or creases. Wrinkles can obscure important information and lead to rejection.
- Verify Check Details: Before you even think about taking a picture, double-check that:
- The check is signed by the check writer.
- The payee line (your name or business name) is filled in correctly.
- The written and numeric amounts match exactly.
- The check is dated.
- There's no writing overlapping the MICR line (the numbers at the bottom of the check).
B. Endorse Your Check Properly
This is a critical step for mobile deposits. Many banks have specific endorsement requirements, and Truist is no exception. Failing to endorse correctly is a common reason for rejected deposits.
Tip: Focus on clarity, not speed.
- Your Signature: Sign the back of the check exactly as your name appears on the "Pay to the Order of" line on the front.
- "For Mobile Deposit Only Truist": Crucially, below your signature, you must handwrite "For Mobile Deposit Only Truist" or similar phrasing. Even if there's a pre-printed box for mobile deposit, it's generally recommended to write this phrase to ensure compliance with banking regulations and Truist's specific requirements. This ensures that the check can only be deposited via mobile deposit and adds an extra layer of security.
Step 2: Accessing the Truist Mobile App
Now that your check is perfectly prepped, it's time to open the app!
A. Download and Log In
- Download the App: If you haven't already, download the official Truist Mobile App from your device's app store (Google Play Store for Android or Apple App Store for iOS).
- Sign In: Open the Truist app and sign in using your User ID and password. If you have fingerprint or facial recognition enabled, you can use that for quicker access.
B. Navigate to the Deposit Section
Once you're logged in, finding the deposit feature is straightforward.
- Menu Button: On the dashboard or main screen, look for the menu button (often represented by three horizontal lines, sometimes called a "hamburger menu"). Tap on it.
- Select "Deposit": From the menu options, select "Deposit" or "Deposit Checks." You might also find a "Deposit" tab or icon at the bottom menu bar of the app for quick access.
Step 3: Initiate Your Mobile Deposit
You're almost there! Now you'll start the actual deposit process within the app.
A. Agree to Terms and Conditions
- Review and Accept: Before proceeding, you will likely be prompted to review and agree to the terms and conditions for remote check deposit. Read them carefully, then tap to accept.
B. Select Your Account
- Choose Destination Account: On the check deposit screen, the first thing you'll need to do is select which Truist account you want to deposit the check into. This could be your checking, savings, or money market account. Make sure you choose the correct one!
Step 4: Capturing Your Check Images
This is where your careful check preparation really pays off!
QuickTip: Reading carefully once is better than rushing twice.
A. Taking the Front Photo
- Follow On-Screen Instructions: The app will guide you. Tap "Continue" or a similar button to begin the photo capture.
- Position Your Device: Place your phone directly over the check, not at an angle. Make sure all four corners of the check are visible within the guides on your mobile device's screen.
- Auto-Capture or Manual: The app is designed to auto-capture the image when the check is in the correct position and the image is clear. If you prefer to capture the image by tapping, you may be able to toggle on a "Manual" option in the top right of your screen.
- Review for Clarity: After the photo is taken, the app will display it. Carefully review the image to ensure all details (payee, amount, date, routing number, account number) are clear and legible. If it's blurry or cut off, retake the photo.
B. Taking the Back Photo
- Flip and Repeat: Once the front is accepted, you'll repeat the previous steps for the back of the check.
- Verify Endorsement: Ensure your signature and the "For Mobile Deposit Only Truist" endorsement are clearly visible and readable in the image.
Step 5: Confirming Your Deposit Details
You're just a few taps away from completing your deposit!
A. Enter the Deposit Amount
- Verify or Input: The app may automatically detect the deposit amount from the check images. If it does, verify that the amount is correct. If not, manually enter the exact deposit amount. Double-check this figure to avoid any discrepancies.
B. Final Review
- Review All Information: Before you submit, take a moment to review all the deposit details on the summary screen: the amount, the account it's going into, and the clarity of the check images.
Step 6: Submitting Your Deposit and Next Steps
The final push!
A. Submit Your Deposit
- Tap "Submit": Once you're confident everything is correct, tap the "Submit" button.
- Confirmation: You should receive an on-screen confirmation that your deposit has been received. You may also receive an email confirmation.
B. What to Do After Submitting
- Keep the Original Check: Do not discard the original check immediately! Truist recommends you hang on to the original check for a certain period (often 5-7 business days, but check Truist's official policy) to ensure the check posts successfully and clears from the paying bank. Write "Mobile Deposit" and the date on the front of the check for your records.
- Monitor Your Account: Keep an eye on your Truist account through the mobile app or online banking to confirm that the deposit has been processed and the funds are available.
- Avoid Duplicate Deposits: Never attempt to deposit the same check again, either through another mobile deposit or at a physical branch or ATM. Doing so can lead to fees and complications.
Important Considerations for Truist Mobile Deposit
- Deposit Limits: Truist, like most banks, has daily and per-item deposit limits for mobile deposits. These limits can vary based on your account history and relationship with the bank. If you have a large check, you might need to visit a branch.
- Availability of Funds: Generally, funds from mobile check deposits are available the next business day after the deposit is received. However, Truist may place a hold on certain deposits, which can delay fund availability. You may also have an option for immediate availability for a fee (typically a percentage of the check amount). The app will usually inform you if a hold is placed.
- Cut-off Times: There's typically a daily cut-off time for mobile deposits (e.g., 9 PM ET). Deposits made after this time will be processed on the next business day.
- Check Types: While most personal and business checks are accepted, certain types of checks (e.g., foreign checks, money orders, post-dated checks, third-party checks) may not be eligible for mobile deposit.
- Security: Truist mobile deposit is designed with security in mind, but always ensure you are using the official Truist app and a secure Wi-Fi connection.
Frequently Asked Questions (FAQs)
Here are 10 common questions about Truist mobile deposit, with quick answers:
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How to Endorse a Check for Truist Mobile Deposit?
Sign the back of the check with your signature, and directly below it, write "For Mobile Deposit Only Truist."
Tip: Read once for flow, once for detail.
How to Find My Account Number for Truist Mobile Deposit?
Your account number can typically be found on your checks (the second set of numbers at the bottom), on your bank statements, or within the Truist mobile app under your account details.
How to Resolve a Rejected Truist Mobile Deposit?
Common reasons for rejection include improper endorsement, blurry images, or amount discrepancies. Double-check your endorsement and image clarity, ensure the amount entered matches the check, and try again. If issues persist, contact Truist customer service.
How to Check Truist Mobile Deposit Limits?
Deposit limits are usually displayed within the Truist mobile app when you initiate a mobile deposit, or you can contact Truist customer service for specific details about your account.
How to Know When Truist Mobile Deposit Funds are Available?
Generally, funds are available the next business day after deposit. The app will usually notify you of specific availability, or you can check your transaction history. Immediate availability options may be offered for a fee.
Tip: Rest your eyes, then continue.
How to Fix a Blurry Image During Truist Mobile Deposit?
Ensure you are in a well-lit area with no shadows, place the check on a plain, dark surface, and hold your phone directly above the check. You might also try cleaning your phone's camera lens.
How to Get Help if My Truist Mobile App Crashes During Deposit?
If the app crashes, restart it and try the deposit again. If it continues, ensure your app is updated to the latest version, clear the app's cache, or contact Truist customer support.
How to Delete a Failed Truist Mobile Deposit?
Typically, if a mobile deposit fails, it won't be processed. There isn't usually an explicit "delete" option for failed attempts, but you can simply initiate a new deposit once you've resolved the issue.
How to Find My Truist Mobile Deposit History?
You can view your deposit history within the Truist mobile app by navigating to your account details and reviewing recent transactions.
How to Deposit Multiple Checks with Truist Mobile Deposit?
Truist's mobile deposit feature usually allows for one check per deposit transaction. You would need to repeat the mobile deposit process for each additional check.
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