Tired of rushing to the bank or an ATM just to deposit a check? In today's fast-paced world, convenience is king, and mobile banking has revolutionized how we manage our finances. If you're a Truist customer, you're in luck! Their mobile app offers a seamless way to deposit checks right from your smartphone, saving you time and effort.
This comprehensive guide will walk you through every step of making a mobile deposit on Truist, ensuring a smooth and successful transaction. Let's get started, shall we?
Step 1: Prepare Your Check for Mobile Deposit - The Crucial First Move!
Before you even open the Truist mobile app, there are a couple of very important things you need to do with your physical check. Missing these steps can lead to delays or even rejection of your deposit!
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Sub-heading: Endorse Your Check Properly This is perhaps the most critical step. On the back of your check, in the endorsement area (usually a blank space at the top), you must:
- Sign your name exactly as it appears on the "Pay to the Order of" line on the front of the check.
- Below your signature, write "For Mobile Deposit Only". This specific phrase is often required by banks to prevent the check from being deposited again physically after it's been digitally captured. Some checks may have a pre-printed box for mobile deposit, but it's still best practice to write "For Mobile Deposit Only" clearly.
- Why is this important? Banks are strict about endorsements for mobile deposits to prevent fraud. An improperly endorsed check will almost certainly be rejected.
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Sub-heading: Ensure Your Check is Ready for Imaging
- Flat Surface: Find a well-lit, flat surface with a contrasting background. A dark table for a light check, or vice versa, works best. Avoid busy patterns.
- No Obstructions: Make sure there are no shadows cast over the check and no objects are on or around it that could interfere with the photo.
- Check Condition: The check should be flat, not crumpled or folded. All information on the check, including the check number, routing number, account number, payee, date, and amount, should be clearly legible. Any writing overlapping the numbers at the bottom of the check may cause issues.
Step 2: Accessing the Truist Mobile App and Initiating the Deposit
Now that your check is ready, it's time to dive into the Truist Mobile App.
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Sub-heading: Log In to Your Account
- Open the Truist Mobile App on your smartphone (available for both iOS and Android devices).
- Log in using your Truist Online Banking username and password. If you haven't set up online banking or downloaded the app yet, you'll need to do so first.
- For added security and convenience, you might have biometric login enabled (Face ID or Touch ID), which makes signing in even quicker.
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Sub-heading: Navigate to the Deposit Feature
- Once logged in, look for a prominent option like "Deposit," "Mobile Deposit," or "Deposit Checks." This is usually found on the main dashboard or within a "Transfers & Pay" or similar menu.
- Tap on this option to begin the mobile deposit process.
Step 3: Capturing Your Check Images - The Camera Work!
This is where your smartphone's camera comes into play. The Truist app will guide you through taking pictures of the front and back of your endorsed check.
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Sub-heading: Photograph the Front of the Check
- The app will typically activate your phone's camera and provide an on-screen guide (a frame or box).
- Position your phone directly above the check, ensuring the entire check fits within the guide.
- Hold your hand steady to avoid blurriness.
- The app may automatically capture the image once it detects a clear picture, or you might need to tap a capture button.
- Ensure all four corners of the check are visible and not cut off.
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Sub-heading: Photograph the Back of the Check
- Once the front is captured, the app will prompt you to turn the check over.
- Repeat the process for the back of the check, ensuring your endorsement ("For Mobile Deposit Only" and your signature) is clearly visible.
- Again, make sure all four corners are within the frame and the image is clear.
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Sub-heading: Reviewing the Images
- After capturing both sides, the app will usually display the images for your review.
- Take a moment to carefully examine both images. Are they clear? Is all information legible? Is the endorsement visible and correct?
- If anything looks blurry, cut off, or incorrect, you'll have the option to retake the photos. Do not proceed if the images are not clear.
Step 4: Entering Deposit Details and Confirming
With your check images captured, you'll now provide the necessary information about your deposit.
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Sub-heading: Select the Deposit Account
- Choose the Truist account where you want the funds to be deposited (e.g., your checking account, savings account).
- Double-check that you've selected the correct account.
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Sub-heading: Enter the Check Amount
- Carefully enter the exact dollar amount of the check. A mismatch between the entered amount and the amount detected from the image will cause the deposit to be rejected.
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Sub-heading: Review and Confirm
- The app will present a summary of your deposit: the chosen account, the amount, and possibly thumbnails of the captured images.
- Review all the details one last time. This is your final chance to catch any errors before submitting.
- Once you're satisfied, tap "Submit," "Deposit," or a similar confirmation button.
Step 5: Confirmation and What Happens Next
Congratulations! You've successfully submitted your mobile deposit. But the process isn't quite over.
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Sub-heading: Receive Confirmation
- You should immediately receive a confirmation message within the app, indicating that your deposit has been received. This message often includes a confirmation number.
- Keep this confirmation number handy in case you need to inquire about the deposit later. Truist may also send an email confirmation.
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Sub-heading: Funds Availability
- Truist generally makes funds from mobile deposits available by the next business day after the deposit is received. However, holds can be placed on deposits for various reasons (e.g., new customer, large deposit amount, suspected fraud).
- Truist also offers an Immediate Availability Service (IAS) for an additional fee (typically 2% of checks $100 or more, or a $1 fee for checks under $100). If offered and selected, funds would be available sooner. This option will be presented during the deposit process if eligible.
- Always check your account balance in the Truist app or online banking to see when the funds become available.
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Sub-heading: Retain and Then Destroy Your Check
- It's recommended to keep the physical check for at least 7 calendar days after you've received confirmation of the mobile deposit. This allows time for any potential issues to arise.
- After 7 days, you should destroy the check by shredding it or marking it "VOID" to prevent it from being deposited again.
Frequently Asked Questions (FAQs) about Truist Mobile Deposit
Here are 10 common questions and quick answers related to mobile deposits on Truist:
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How to find my mobile deposit limits on Truist? Your specific mobile deposit limits can be found by logging into the Truist mobile app or online banking and navigating to the mobile deposit section or by checking the Truist Bank Services Agreement. Limits can vary based on your account history and relationship with the bank.
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How to endorse a check for Truist mobile deposit? On the back of the check, sign your name and clearly write "For Mobile Deposit Only" below your signature in the endorsement area.
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How to troubleshoot issues with Truist mobile deposit photos? Ensure you are in a well-lit area with no shadows, use a contrasting background, and make sure the entire check is within the camera frame. If issues persist, try turning on your phone's flash or contact Truist customer support.
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How to check the status of my Truist mobile deposit? You can check the status by logging into your Truist mobile app or online banking and viewing your account's transaction history. The deposit will show as pending until it's fully processed.
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How to avoid Truist mobile deposit rejections? Ensure the check is properly endorsed, the images are clear and legible, the amount entered matches the check, and the check isn't torn or damaged.
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How to get immediate access to funds with Truist mobile deposit? Truist offers an "Immediate Availability Service" (IAS) for a fee (typically 2% of the check amount for checks $100+, or a $1 fee for checks under $100). This option will be presented if eligible during the deposit process.
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How to know if my check is eligible for Truist mobile deposit? Most standard personal and business checks are eligible. However, money orders, foreign checks, third-party checks, or checks that have been previously deposited are generally not accepted via mobile deposit.
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How to contact Truist customer service for mobile deposit help? You can call Truist customer service at 844-4TRUIST (844-487-8478) or visit your local Truist branch for assistance.
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How to ensure the security of my Truist mobile deposit? Always use a secure Wi-Fi connection, keep your phone's operating system updated, and never store your banking credentials on your device. After successful deposit, retain the physical check for a few days, then shred it.
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How to find the cut-off time for Truist mobile deposits? For standard availability, checks deposited via mobile by 9 PM ET on a business day are generally processed during nightly processing and available the next business day. For immediate availability, the cutoff is typically 11:59 PM ET. Always refer to the Truist Funds Availability Policy in the Bank Services Agreement for the most current information.
