Tired of making special trips to the bank to deposit checks? Wish you could handle it all from the comfort of your couch, or while on the go? Well, guess what? With the Truist Mobile Banking app, you absolutely can! Mobile check deposit is a game-changer, saving you time and effort. Let's dive right into how you can easily scan and deposit a check using your Truist app.
Your Ultimate Guide to Scanning and Depositing Checks with Truist
Depositing a check through the Truist Mobile App is a straightforward process, but following each step carefully ensures a smooth transaction.
Step 1: Prepare Your Check and Your Device
Before you even open the app, there are a few crucial preparatory steps to take. Don't skip this part! It's often where people encounter issues.
Sub-heading: Getting Your Check Ready for Deposit
- Endorse it Properly: This is the most critical step for mobile deposits. Turn your check over to the back. In the endorsement area, you must sign your name (as it appears on the check) and clearly write "For Mobile Deposit Only" underneath your signature. Even if your check has a pre-printed box for mobile deposit, always write this phrase. Without this specific endorsement, your deposit may be rejected!
- Check the Details: Make sure the check is dated, the numerical and written amounts match, and it's signed by the payer. Any discrepancies can cause delays or rejections.
- Keep it Flat: Ensure the check is flat and free of wrinkles or folds. A crisp, flat check will be much easier for your phone's camera to capture.
Sub-heading: Preparing Your Smartphone or Tablet
- Download and Log In to the Truist App: If you haven't already, download the official Truist Mobile Banking app from your device's app store (Google Play Store for Android, Apple App Store for iOS). Log in using your Truist online banking credentials. If you've forgotten them, use the "Forgot Username" or "Forgot Password" options.
- Ensure Good Lighting: Find a well-lit area, preferably with natural, even light. Avoid shadows falling across the check. If necessary, you can usually turn on your phone's flash within the app's camera function.
- Clear the Space: Place your endorsed check on a solid, dark-colored surface that contrasts with the check. This helps the app's auto-capture feature identify the check's edges accurately. Avoid patterned surfaces.
- Clean Your Camera Lens: A smudge on your phone's camera lens can lead to blurry images and a failed deposit. Give it a quick wipe!
- Check Your Internet Connection: Ensure you have a stable Wi-Fi connection or strong mobile data signal for the deposit to process without interruption.
Step 2: Initiate the Deposit in the Truist App
Once your check and device are ready, it's time to open the app and begin the deposit process.
- Open the Truist App: Tap the Truist app icon on your device.
- Log In: Enter your User ID and Password. You might also need to use fingerprint or facial recognition if enabled.
- Navigate to Deposit: On the dashboard or main menu, look for an option like "Deposit" or "Mobile Deposit." It's often found in a bottom navigation bar or a side menu. Select it.
- Agree to Terms and Conditions: If it's your first time or if there are updated terms, you'll likely be prompted to agree to the Remote Check Deposit Terms and Conditions. Read through them and accept to proceed.
- Select Deposit Account: Choose the Truist account where you want to deposit the check (e.g., your checking or savings account). Double-check that you've selected the correct account.
Step 3: Capture Images of Your Check
This is where the "scanning" part comes in! The app uses your device's camera to capture images of both sides of the check.
Sub-heading: Photographing the Front of the Check
- Follow On-Screen Instructions: The app will provide clear instructions on how to position your phone.
- Position Your Device: Hold your phone directly above and parallel to the check. Make sure all four corners of the check are within the frame.
- Auto-Capture Feature: The Truist app usually has an auto-capture feature. It will automatically take the picture when it detects a clear, well-framed image of the check. Try to hold your hand steady.
- Manual Capture (If Needed): If the auto-capture isn't working, look for an option to switch to manual capture. This allows you to tap the screen to take the photo yourself. Ensure the entire check is visible, and the image is clear and not blurry.
Sub-heading: Photographing the Back of the Endorsed Check
- Flip the Check: Carefully flip the check over to the back, ensuring your endorsement ("For Mobile Deposit Only" and your signature) is clearly visible.
- Repeat Capture Process: Follow the same steps as you did for the front of the check. Position your device, wait for auto-capture, or use manual capture if necessary.
- Review Both Images: After both images are captured, the app will display them for your review. Take a moment to ensure they are clear, legible, and that all details on the check are visible, especially the check number, routing number, account number, and your endorsement. If an image is blurry or cut off, you'll have the option to retake it.
Step 4: Enter Deposit Details and Submit
Almost there! Now you'll confirm the deposit amount and finalize the transaction.
- Enter the Amount: The app might attempt to automatically read the check amount. Verify this amount carefully! If it's incorrect or wasn't detected, manually enter the exact dollar amount of the check.
- Review All Details: Before hitting submit, take a final moment to review:
- The deposit account you selected.
- The amount you entered.
- The clarity of both check images.
- Confirm and Submit: Once you've verified everything, tap the "Submit" or "Deposit" button.
Step 5: Confirmation and What to Do Next
You've successfully submitted your deposit! But your job isn't quite done yet.
- Receive Confirmation: The app will display a confirmation message, often with a confirmation number. Take a screenshot of this confirmation or note the number for your records. You might also receive an email confirmation.
- Keep the Physical Check: Do NOT throw away the physical check immediately! Truist recommends holding onto the original check for a certain period (usually 7-14 days) until the funds have fully cleared and posted to your account. This is in case there's any issue with the mobile deposit. After the recommended holding period, you can securely shred the check.
- Monitor Your Account: Keep an eye on your Truist account through the mobile app or online banking to confirm that the deposit has successfully posted.
- Funds Availability: Be aware of Truist's funds availability policy. While the deposit might show up as pending, the funds may not be immediately available for withdrawal. Standard availability is generally the next business day, but holds can occur. Immediate availability might be an option for a fee.
Important Considerations for Truist Mobile Deposit
- Deposit Limits: Truist may have daily or per-item deposit limits for mobile deposits. These limits can vary based on your account type and relationship with the bank. If you have a large check, you might need to visit a branch or ATM.
- Cut-off Times: Mobile deposits made before a certain cut-off time on a business day (e.g., 9 PM ET) are typically processed on that business day. Deposits made after the cut-off time or on weekends/holidays 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, third-party checks) may not be eligible for mobile deposit.
- Security: The Truist app uses encryption and other security measures to protect your financial information. Always ensure you are using the official app and a secure network.
10 Related FAQ Questions
Here are some common questions about scanning checks with Truist, along with quick answers:
How to endorse a check for Truist mobile deposit?
You must sign the back of the check and write "For Mobile Deposit Only" below your signature.
How to check my Truist mobile deposit limit?
Truist typically does not publicly list specific mobile deposit limits for all users. You might find your specific limits within the app during the deposit process, or you can contact Truist customer service directly.
How to tell if my Truist mobile deposit went through?
You will receive an in-app confirmation and often an email confirmation. You can also check your account activity within the Truist app or online banking to see the deposit as pending or posted.
How to fix a blurry image when scanning a check with Truist?
Ensure good, even lighting, a clean camera lens, and place the check on a dark, contrasting, flat surface. Hold your phone steady and directly above the check. You'll have the option to retake the picture if it's blurry.
How to deposit multiple checks with the Truist app?
You will need to deposit each check individually. After one deposit is complete, simply start the process again for the next check.
How to handle a check that was rejected by Truist mobile deposit?
If your deposit is rejected, you will usually receive a notification with the reason. Common reasons include improper endorsement or poor image quality. Correct the issue (e.g., re-endorse, retake photos) and try depositing again, or visit a Truist branch if the issue persists.
How to find the mobile deposit option in the Truist app?
Look for a "Deposit" or "Mobile Deposit" option on the main dashboard, bottom navigation bar, or within the menu icon (often three horizontal lines) of the Truist Mobile Banking app.
How to know when funds from a Truist mobile deposit will be available?
Generally, funds from mobile check deposits are available the next business day if deposited before the cut-off time (typically 9 PM ET). However, holds can be placed, or you might have an option for immediate availability with a fee. Refer to Truist's Funds Availability Policy for details.
How to get a receipt for a Truist mobile deposit?
The app will provide a confirmation screen with a confirmation number after a successful deposit. You can take a screenshot of this, and often Truist will also send an email confirmation to the email address on file.
How to contact Truist support if I have mobile deposit issues?
You can contact Truist customer service by calling the number on the back of your debit card, or by finding their contact information on the official Truist website or within the app's "Contact Us" section.