Tired of rushing to the bank to deposit a check? Does the thought of waiting in line fill you with dread? What if I told you there's a simpler, faster way to get your funds into your Truist account, all from the comfort of your couch, office, or even while on vacation? You guessed it – mobile check deposit!
This comprehensive guide will walk you through every step of endorsing a check for Truist mobile deposit, ensuring a smooth and successful transaction. We'll cover everything from the crucial endorsement details to troubleshooting common issues, making you a mobile deposit master in no time.
Mastering the Mobile Deposit: Your Step-by-Step Truist Guide
Mobile check deposit has revolutionized how we bank, offering unparalleled convenience. But to ensure your deposit goes through without a hitch, proper endorsement is key. Let's dive in!
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| How To Endorse A Check For Truist Mobile Deposit |
Step 1: Getting Ready – The Essentials Before You Begin
Before you even touch that check, a little preparation goes a long way. This will save you time and potential headaches down the line.
QuickTip: Return to sections that felt unclear.
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1.1. Gather Your Tools:
- The Check: Obviously! Make sure it's valid, not post-dated, and made out to you (or a joint account holder).
- Your Smartphone or Tablet: Ensure it has the Truist Mobile Banking app installed and a working camera.
- A Pen: A blue or black ink pen is ideal for endorsing.
- Good Lighting: You'll need sufficient, even lighting to capture clear images of the check. Avoid shadows.
- A Flat, Contrasting Surface: Place the check on a plain, dark surface if the check is light, or a light surface if the check is dark. This helps the app's camera focus and capture all the details.
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1.2. Ensure Your Truist Mobile App is Up-to-Date:
- Outdated apps can sometimes lead to technical glitches. Always ensure you have the latest version of the Truist Mobile Banking app downloaded from your device's app store (Google Play Store for Android, Apple App Store for iOS).
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1.3. Check Your Internet Connection:
- A stable Wi-Fi or cellular data connection is crucial for the app to communicate with Truist's servers and process your deposit. A weak signal can cause uploads to fail.
Step 2: The Critical Endorsement – What to Write and Where
This is arguably the most important step. A correctly endorsed check is vital for Truist to accept your mobile deposit.
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2.1. Locate the Endorsement Area:
- Turn your check over to the back. You'll typically find a designated area, often marked with lines and text like "ENDORSE HERE" or "DO NOT WRITE, STAMP, OR SIGN BELOW THIS LINE." This is where your magic happens!
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2.2. Your Signature – The First Essential:
- Sign your name exactly as it appears on the "Pay to the Order of" line on the front of the check. If the check is made out to "John A. Doe," sign "John A. Doe." If it's a joint check made out to "John Doe and Jane Doe," both individuals typically need to sign.
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2.3. The "For Mobile Deposit Only" Imperative:
- This is the crucial part for mobile deposits. Directly below your signature, you must legibly write: For Mobile Deposit Only
- Some checks may have a pre-printed box for mobile deposit, but simply checking this box is not sufficient for many banks, including Truist. You must still write "For Mobile Deposit Only" below your signature. This restrictive endorsement ensures the check can only be deposited into your account via the mobile app, adding a layer of security and preventing it from being cashed elsewhere if it were to fall into the wrong hands.
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2.4. Optional (But Recommended) – Your Account Number:
- While not always strictly required by Truist, it's a good practice to also write your Truist account number below "For Mobile Deposit Only." This further links the check to your specific account and can help in cases of ambiguity. For example: Your Signature For Mobile Deposit Only Account # [Your Truist Account Number]
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2.5. Double-Check Your Endorsement:
- Before moving on, carefully review your endorsement. Is your signature clear? Is "For Mobile Deposit Only" written legibly and correctly? Is your account number correct if you included it? Any errors here could lead to your deposit being rejected.
Step 3: Capturing the Check Images – Lights, Camera, Deposit!
Now that your check is perfectly endorsed, it's time to capture its images using the Truist Mobile App.
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3.1. Open the Truist Mobile Banking App:
- Log in to your Truist account using your credentials (username, password, and any multi-factor authentication you have set up).
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3.2. Navigate to Mobile Deposit:
- Look for a "Deposit" or "Mobile Deposit" option within the app's main menu. This is usually prominently displayed for easy access.
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3.3. Select Your Deposit Account:
- Choose the Truist checking or savings account into which you want to deposit the funds.
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3.4. Enter the Check Amount:
- Carefully enter the exact amount of the check. Double-check this number – a mismatch will cause the deposit to fail.
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3.5. Take a Photo of the Front of the Check:
- The app will guide you. Lay the check flat on your chosen contrasting surface.
- Position your phone directly above the check, ensuring all four corners are visible within the camera's frame.
- Make sure there are no shadows on the check. If needed, use your phone's flash (often indicated by a lightning bolt icon in the app).
- The app may automatically detect the edges and capture the image. If not, tap the capture button.
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3.6. Take a Photo of the Back of the Check (Endorsed Side):
- Flip the check over to show your endorsement.
- Repeat the same process as with the front: lay it flat, ensure good lighting, and capture all four corners. The app will usually prompt you for this.
Step 4: Review and Confirm – Your Final Checks
You're almost there! This step is crucial for preventing errors and ensuring a successful deposit.
QuickTip: A quick skim can reveal the main idea fast.
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4.1. Review the Captured Images:
- The Truist app will display the images you've taken. Examine them closely.
- Are both the front and back images clear and legible?
- Can you clearly read all the information on the check, including the payee, amount, date, and your endorsement?
- Are all four corners of the check visible in both images?
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4.2. Verify the Deposit Details:
- Confirm that the amount you entered matches the check amount exactly.
- Ensure you've selected the correct Truist account for the deposit.
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4.3. Submit Your Deposit:
- Once you're confident everything is correct, tap the "Submit" or "Deposit" button.
Step 5: Post-Deposit Best Practices – What to Do After Submission
Your check has been submitted! But your job isn't quite done. A few extra steps will ensure peace of mind.
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5.1. Confirmation is Key:
- The Truist app should provide an immediate confirmation that your deposit has been received. This may be an on-screen message, an email, or both. Do not close the app until you receive this confirmation. Keep a record of the confirmation number if one is provided.
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5.2. Hold Onto Your Check:
- Do not shred or discard the physical check immediately. Truist (like most banks) recommends holding onto the check for a specific period (typically 2-14 business days, but sometimes up to 30 days) after you've received confirmation that the funds have been successfully deposited and are available in your account. This is in case there's an issue with the electronic image and the bank needs the physical check for verification.
- Keep it in a safe, secure place where it won't be lost or accidentally redeposited.
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5.3. Verify Funds Availability:
- Check your Truist account balance within the app or online banking to confirm that the deposited funds have posted and are available.
- Be aware of fund availability policies. While mobile deposits are convenient, funds may not be available immediately. Truist has specific cut-off times (often 9 PM ET for standard availability) and may place holds on larger deposits. You can often see the expected availability date within the app.
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5.4. Shred the Check (Eventually):
- Once you've confirmed the funds are fully available and the recommended holding period has passed, shred the physical check to protect your personal and financial information. Do not simply throw it in the trash.
Troubleshooting Common Truist Mobile Deposit Issues
Even with the best preparation, issues can sometimes arise. Here are a few common problems and how to address them:
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Image Quality Issues:
- Problem: The app says the image is blurry, too dark, or corners are missing.
- Solution: Move to a well-lit area, ensure no shadows are cast on the check, and place the check on a contrasting, flat surface. Hold your phone steady and directly above the check, making sure all four corners are clearly visible within the frame.
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Endorsement Rejected:
- Problem: The deposit is rejected due to an invalid endorsement.
- Solution: Did you sign the check? Did you write "For Mobile Deposit Only" legibly below your signature? Double-check that all required endorsement elements are present and clear.
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Amount Mismatch:
- Problem: The amount entered in the app doesn't match the amount on the check.
- Solution: Carefully re-enter the exact check amount. Even a small discrepancy will lead to rejection.
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Deposit Limits Reached:
- Problem: You receive a message about exceeding deposit limits.
- Solution: Truist has daily and possibly monthly limits for mobile deposits. If you hit a limit, you'll need to wait until the next day or visit a Truist branch or ATM to deposit the check. Check the Truist app or website for specific deposit limits.
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Funds on Hold:
- Problem: Your deposit shows as "pending" or has a longer hold time than expected.
- Solution: This is common for larger checks or new accounts. Truist may place a hold to verify the funds from the paying bank. Check the app for the estimated availability date. If you need funds sooner, contact Truist customer service to inquire about immediate availability options (which may involve a fee).
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App Glitches or Crashes:
- Problem: The app is not responding or crashes during the deposit process.
- Solution: Close and reopen the app. If the problem persists, try restarting your phone. Ensure your app is updated to the latest version. If all else fails, contact Truist customer support.
10 Related FAQ Questions
How to endorse a check for mobile deposit if it's a joint check?
If the check is made out to "Pay to the Order of John Doe AND Jane Doe," both individuals typically need to sign the back of the check. If it's "John Doe OR Jane Doe," either person can endorse and deposit it. Always add "For Mobile Deposit Only" below the signatures.
Tip: Break long posts into short reading sessions.
How to endorse a check if there's no "endorse here" line?
Even without a specific line, the endorsement area is generally on the back of the check, usually on the left side when held horizontally. Sign your name, then write "For Mobile Deposit Only" below it, ensuring you don't write too close to the bottom edge where the routing and account numbers are located.
How to get help if my Truist mobile deposit is rejected?
If your mobile deposit is rejected, the Truist app will usually provide a reason. Review the reason and correct any issues (e.g., re-endorse, retake photos). If you're still having trouble, contact Truist customer service at 844-4TRUIST (844-487-8478) or visit a local branch for assistance.
How to check the status of my Truist mobile deposit?
You can usually check the status of your mobile deposit within the Truist Mobile Banking app. Go to your account activity or deposit history to see if the deposit is pending, posted, or if there are any holds.
QuickTip: Focus on one paragraph at a time.
How to find my Truist account number for endorsement?
You can find your Truist account number on your checks, bank statements, or by logging into your Truist online banking or mobile app and viewing your account details.
How to ensure good lighting for mobile check deposit photos?
For best results, take photos in a well-lit room, ideally with natural light. Avoid direct sunlight or overhead lights that cast shadows. Ensure the check is evenly lit with no dark spots. If necessary, use your phone's flash within the app.
How to avoid common mobile deposit rejection reasons?
To avoid rejection, ensure the check is properly endorsed with your signature and "For Mobile Deposit Only," the images are clear and well-lit with all four corners visible, the entered amount matches the check exactly, and you haven't exceeded your daily/monthly deposit limits.
How to know when my Truist mobile deposit funds will be available?
Truist typically makes mobile deposit funds available the next business day if deposited before the cut-off time (often 9 PM ET). However, holds may apply for larger amounts or certain checks. The app will usually indicate the expected availability date for your specific deposit.
How to safely dispose of a check after mobile deposit?
After confirming the funds are fully available in your account and the recommended holding period has passed (usually 2-14 days), shred the physical check. This protects your financial information and prevents accidental redeposits.
How to increase my Truist mobile deposit limit?
Mobile deposit limits are set by the bank and can vary based on your account history and relationship with Truist. If you consistently need higher limits, you can contact Truist customer service to inquire about potential adjustments, though this is not always guaranteed.
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