Hey there! Ever found yourself holding a check and thinking, "There has to be an easier way to deposit this than going to a branch or an ATM?" Well, you're in luck! If you're a Nationwide customer, their mobile banking app offers a fantastic solution: mobile check deposit. It's super convenient, secure, and can save you a ton of time.
Ready to ditch the traditional deposit methods and embrace the future of banking? Let's dive in!
How to Scan a Check on the Nationwide App: Your Step-by-Step Guide
Depositing a check with the Nationwide app is a straightforward process, designed to be user-friendly. Just follow these steps, and you'll have your funds on their way in no time.
Step 1: Prepare Your Check and Your Device
Before you even open the app, a little preparation goes a long way to ensure a smooth deposit.
- A. Endorse Your Check Properly: This is a crucial step! You must endorse the back of your check. This typically means signing your name. Some banks also recommend writing "For Mobile Deposit Only" below your signature. While Nationwide's specific requirement isn't explicitly stated as "For Mobile Deposit Only," it's a good practice to ensure the check is clearly intended for this method.
- B. Find the Right Environment: For optimal scanning, choose a well-lit area that's free from shadows. Place your check on a dark, plain, non-reflective surface. This contrast helps your phone's camera clearly capture the check's details.
- C. Ensure Your Device is Ready:
- Make sure your smartphone or tablet has a working camera and is running a compatible operating system (generally Android 7.0+ or Apple iOS 14+).
- Clean your camera lens – a smudge can lead to a blurry image and a rejected deposit.
- Ensure you have a stable internet connection (Wi-Fi is recommended to avoid data charges).
Step 2: Log In to the Nationwide Mobile Banking App
If you haven't already, download the Nationwide Mobile Banking App from your device's app store (App Store for Apple, Google Play Store for Android).
- A. Open the App: Locate the Nationwide app icon on your device and tap to open it.
- B. Log In Securely: Enter your passnumber or use your device's biometric authentication (fingerprint or facial recognition) if you have it set up. This ensures your account remains secure.
Step 3: Navigate to the Check Deposit Feature
Once you're logged in, finding the deposit option is usually quite intuitive.
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A. Locate the Menu/Deposit Option:
- Look for a menu button (often represented by three lines or dots) or a direct "Deposit" or "Deposit Cheque" tab, usually found at the bottom of the screen or within a main menu.
- Tap on this to proceed.
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B. Agree to Terms and Conditions (If Applicable): If this is your first time using mobile deposit, you might be prompted to review and agree to the terms and conditions for remote check deposit. Read them carefully and accept to continue.
Step 4: Select Your Account and Enter the Amount
Now it's time to tell Nationwide where you want the money to go and how much it is.
- A. Choose Your Account: You'll be asked to select the Nationwide account into which you wish to deposit the check (e.g., your current account, savings account). Double-check that you've selected the correct account.
- B. Enter the Check Amount: Carefully enter the exact amount of the check as it's written. Make sure this matches both the numerical and written amount on the check. Some apps may try to auto-detect this, but always verify for accuracy.
Step 5: Capture Images of Your Check
This is where the "scanning" magic happens! The app will guide you through taking photos of both the front and back of your check.
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A. Capture the Front of the Check:
- The app will typically activate your camera and provide a frame or guidelines on your screen.
- Hold your device steady and directly above the check, ensuring all four corners of the check fit within the given frame.
- The app may auto-capture the image once it detects a clear and correctly aligned check. If not, there will be a manual capture button to tap.
- Ensure the image is clear and readable, with no blurriness, shadows, or cut-off edges. All information on the check (payee, amount, bank name, routing number, account number) must be visible.
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B. Capture the Back of the Check:
- You'll then be prompted to turn the check over and repeat the process for the back. Even if the back appears blank apart from your endorsement, you still need to capture its image.
- Again, ensure your endorsement is clear and legible within the frame.
Step 6: Review and Confirm Your Deposit
You're almost there! This is your last chance to make sure everything is accurate.
- A. Review the Details: The app will display a summary of your deposit, including the account selected, the amount, and the captured images of the check. Take a moment to meticulously review all the information.
- B. Confirm the Deposit: If everything looks correct, tap the "Submit" or "Confirm Deposit" button. You should receive an on-screen confirmation that your deposit has been submitted. Many banks also send an email confirmation.
Step 7: Keep Your Check Safe!
Even after successfully submitting your deposit, do not discard the physical check immediately.
- A. Write "Deposited" and the Date: It's a good habit to write "Mobile Deposited" and the date on the front of the physical check. This helps prevent accidental re-depositing.
- B. Retain for a Period: Nationwide (and most banks) advise holding onto the original check for a specific period (often 7 to 14 days, or until the funds are fully cleared) in case there are any issues with the deposit and they need to verify it. After this period, you can securely shred or destroy the check.
Frequently Asked Questions about Nationwide Mobile Check Deposit
Here are 10 common questions with quick answers to help you navigate mobile check deposits with Nationwide:
How to check if my Nationwide app is updated?
You can check for app updates by visiting the App Store (for Apple devices) or Google Play Store (for Android devices). Search for "Nationwide Mobile Banking" and see if an "Update" button is available.
How to endorse a check for Nationwide mobile deposit?
Sign your name on the back of the check, within the endorsement area. While not always strictly required, it's good practice to also write "For Mobile Deposit Only" below your signature for added clarity.
How to find the mobile deposit option in the Nationwide app?
After logging in, look for a "Deposit" or "Deposit Cheque" option. This is often found in a main menu (sometimes represented by three lines or dots) or as a dedicated icon/tab on the home screen.
How to ensure a clear image for check scanning?
Place your check on a plain, dark, non-reflective surface in a well-lit area. Hold your phone steady, directly above the check, ensuring all four corners are within the app's guidelines. Avoid shadows.
How to fix a blurry check image during scanning?
Try repositioning the check, ensuring better lighting, and holding your phone steadier. Clean your camera lens. If the auto-capture isn't working, try using the manual capture option if available.
How to know if my check deposit was successful?
The Nationwide app will typically provide an on-screen confirmation message after you submit the deposit. You may also receive an email confirmation. You can usually view your deposit history within the app.
How to see my mobile deposit limits with Nationwide?
Deposit limits can vary. While specific limits for Nationwide mobile check deposit aren't readily available in general search results, these limits are usually displayed within the app when you are initiating a mobile deposit.
How to check when deposited funds will be available?
Funds from mobile check deposits are typically available within 2 working days if submitted before a certain cut-off time (often 6 PM). Deposits made after this time or on weekends/holidays will be processed the next working day. You can check your account's pending transactions in the app.
How to troubleshoot if the Nationwide app isn't recognizing my check?
Ensure the check is flat, on a dark background, well-lit, and that all four corners are visible. Verify your endorsement is clear. If problems persist, try restarting the app or your device, or contact Nationwide customer support.
How to contact Nationwide for mobile deposit issues?
You can usually find contact information (phone numbers, chat options) within the Nationwide app under a "Help" or "Contact Us" section. You can also visit the Nationwide website for support details.
