Certain types of checks are typically ineligible for mobile deposit due to banking regulations, security concerns, or their inherent nature, including those that have been previously returned, are significantly old, have been altered, or are drawn from an account you also own.
Understanding Mobile Deposit Restrictions
Mobile deposit offers unparalleled convenience, allowing you to deposit checks using a smartphone or tablet. However, for security, fraud prevention, and regulatory compliance, not all checks can be processed this way. Financial institutions establish specific criteria to mitigate risks associated with mobile check deposits.
Checks Ineligible for Mobile Deposit
Several categories of checks are generally excluded from mobile deposit services to protect both the customer and the financial institution.
1. Previously Returned or Uncollected Checks
Checks that have been presented for payment before but were returned unpaid or uncollected cannot be mobile deposited. This includes checks marked as "non-sufficient funds" (NSF), "account closed," or other reasons indicating a failure to clear.
- Why they're restricted: To prevent the re-deposit of fraudulent or uncollectible funds and to ensure the integrity of the banking system. Such checks often require in-person processing or alternative collection methods.
2. Stale-Dated Checks (Over 180 Days Old)
Checks that are significantly old, specifically those greater than 180 days (or six months) from their issue date, are typically not accepted via mobile deposit. These are often referred to as "stale-dated" checks.
- Why they're restricted: After a certain period, the bank on which the check is drawn may not honor it without re-verification from the issuer. This rule helps prevent issues with old or potentially invalid payments and encourages timely deposit of funds.
3. Altered Checks
Any check that shows signs of alteration, such as changes to the payee name, amount, or date, is not eligible for mobile deposit. This includes checks where information has been erased, written over, or appears tampered with.
- Why they're restricted: Altered checks are a significant red flag for potential fraud. Banks require such checks to be presented in person for thorough verification to ensure their authenticity and prevent financial crime.
4. Maker-to-Maker Checks (Drawn on Your Own Account)
Checks drawn on another bank account in your name—often referred to as "maker to maker" checks—cannot be mobile deposited. This means you cannot write a check from one of your accounts and deposit it into another account you own at the same or a different financial institution using mobile deposit.
- Why they're restricted: This practice is generally prohibited to prevent "check kiting"—a form of fraud involving the manipulation of funds between accounts—and to avoid issues with double counting or erroneous fund transfers between a single individual's accounts. Direct electronic transfers or wire transfers are the appropriate methods for moving funds between your own accounts.
Summary of Ineligible Checks
For a quick reference, here's a summary of checks typically excluded from mobile deposit:
| Type of Check | Reason for Restriction |
|---|---|
| Previously Returned/Uncollected | Fraud prevention, uncollectible funds |
| Greater than 180 Days Old (Stale) | Potential invalidity, timely deposit encouragement |
| Altered | Fraud prevention, requires in-person verification |
| Drawn on Your Own Account | Prevents check kiting, misuse of mobile deposit for transfers |
Best Practices for Mobile Deposits
To ensure a smooth mobile deposit experience, always:
- Endorse properly: Sign the back of the check and, if required by your bank, write "For Mobile Deposit Only" or similar phrasing.
- Keep the physical check: Retain the original check for a short period (e.g., 14 days) after successful deposit, then securely destroy it.
- Check deposit limits: Be aware of any daily or monthly limits set by your bank for mobile deposits.
- Ensure good lighting: Take clear, well-lit photos of the check, with all four corners visible.
By understanding these restrictions and best practices, you can effectively use mobile deposit services while safeguarding your financial transactions.
