Deposit checks from almost anywhere with the Bank of America® Mobile Banking app Footnote #1 on your smartphone or tablet Footnote #2, receive a confirmation so you know right away your deposit has been received. And now you can immediately save or print a copy of the check for your records.

How it works

Step 1

Open the Mobile Banking app and select Deposit Checks.

Step one

Step 2

Take a picture of the front and back of your endorsed check.

Step two

Step 3

Select the account to receive the deposit and enter the amount.

Step 3

Step 4

Hit Make Deposit and you'll get a receipt confirmation message in seconds.

Step 4



What types of checks are accepted with Mobile Check Deposit? click will show the answer
  • Personal checks
  • Business checks
  • Government/Treasury checks
  • Cashier’s checks

Checks must be from a U.S. institution and in U.S. dollars.

When will my funds be available?click will show the answer

Deposits are subject to verification and funds may not be available immediately. Once the deposit has been received, you’ll be able to view the pending transaction online or on your phone. Checks received by the applicable cut off time on a business day are usually available in your account the next business day.

What happens if there is an issue with the deposit? click will show the answer

Once you've made your deposit, you'll get an email confirmation that we've received your deposit and are processing it. If there is any problem with the transaction, like insufficient funds or potential fraud, you'll receive a letter in the mail asking you to bring the check to a financial center to resolve the issue.

What are my Monthly Check Deposit limits?

There is a monthly limit for Mobile Check Deposits and it’s displayed when you select your deposit account. Once you’ve hit that limit, you can’t deposit another check with the app until the limit is reset at the beginning of the next month.

What time do I need to deposit my check in order for it to be available the next day? click will show the answer

The cut-off time for Mobile Check Deposits are based off of the time zone in which the account was opened. Checks received by the following cut off times on a business day are considered deposited on that day.

Eastern and Central: 9 P.M. Eastern timeMountain and Pacific: 8 P.M. Pacific time

Are there any fees? click will show the answer

There is no additional fee for using Mobile Check Deposit service, but we recommend that you check with your service provider to see if there are any wireless carrier fees.

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