What to Write on Back of Check for Mobile Deposit
Depositing a check from your mobile phone is a game-changing convenience. It removes the hassle of driving to the bank or ATM to deposit a check.
Be sure to sign your name and handwrite "For Mobile Deposit Only" beneath your signature on the back of the check. New banking regulations require it, and your deposit could be rejected if it is missing.
How to Endorse a Check for Mobile Deposit
To make the mobile deposit process as seamless as possible, you must endorse your check correctly. Follow these steps to help ensure your deposit is accepted without issue.
Sign Your Name in the Endorsement Area
Search for the line on the back that says, “Endorse here” and write your personal signature above the line.
Make sure your signature is legible.
Your signature should resemble the one your bank has on file. A mismatched signature could result in temporary delays.
Use only the designated endorsement line when signing.
Using blue or black ink is best to ensure your signature is easily readable.
Write "For Mobile Deposit Only" Below Signature
When endorsing a check for mobile deposit, clearly write “For Mobile Deposit Only” directly beneath your signature. This step is required by banking regulations and helps ensure your check is processed securely and without delay.
Understand Your Bank’s Specific Requirements
While “For Mobile Deposit Only” is a standard endorsement, some banks may require additional details, such as your account number, the bank’s name, or the date, written alongside your signature.
Even if the check includes a checkbox indicating a mobile deposit, many banks still require this endorsement to be handwritten.
Always review your bank’s mobile deposit guidelines to help avoid processing delays or rejected deposits.
Take Photos of the Check
Using your smartphone, take photos of both the front and back of the endorsed check. Make sure the check images are clear and easy to see.
Ensure the images are well-lit and the details on the check are easy to read.
Most banking apps include an auto-centering feature to help you properly position the check within the frame. Some even snap the photo automatically when the check is aligned correctly.
Protect your privacy by avoiding public Wi-Fi when capturing and uploading these images.
By the way: Using the Axos All-In-One Mobile App makes mobile check deposits even more seamless. The app provides step-by-step guidance, automatic alignment, and security features like biometric login and real-time notifications.
Enter Transaction Details and Send
Once the photos are captured, the financial details of the transaction have to be entered. That includes the amount of the check and which of your accounts you want to use to receive the funds.
Look for a “submit” or similar button to complete the transaction and to ensure your financial institution receives the information.
Wait for the Mobile Deposit to Clear
The processing time for mobile deposits varies between financial institutions. Don’t throw away the paper check. Wait for the transaction to clear — usually a few days at most — before disposing of it.
You'll need the original check in case there are any issues with the transaction. Once the transaction clears and the funds are available, you can safely dispose of the check.
By following these steps, you'll ensure that your mobile deposit is handled quickly and efficiently.
Final Thoughts
Mobile check deposit is a fast, secure, and convenient way to manage your finances—anytime, anywhere.
By properly endorsing your check, following your bank’s specific requirements, and carefully completing each step, you can avoid common errors and ensure your funds are deposited without delay.