Jump to content
Sign in to follow this  
OnMyWay

Check Deposit Phone Apps

Recommended Posts

7 hours ago, OnMyWay said:

Everything seems fine with my deposit.  All funds available now.

So for those of you with mailbox services, this offers a cost effective way to deposit checks.  No need to use the expensive check deposit services offered by the mailboxes or have checks forwarded to you.

Well it sounds like you came up with an idea for anyone who wants to "write" (take a picture) a personal check and send it to someone they TRUST instantly, and then that person has the ability to deposit it without mailing or use of any other app or service except for an e-deposit with the depositors bank. 

 

  • Like 1

Share this post


Link to post
Share on other sites
Posted (edited)
2 hours ago, Joey G said:

Well it sounds like you came up with an idea for anyone who wants to "write" (take a picture) a personal check and send it to someone they TRUST instantly, and then that person has the ability to deposit it without mailing or use of any other app or service except for an e-deposit with the depositors bank. 

 

I think that would work, provided the e-deposit software accepts it as legit.  You would need pictures of the front and back of the check, print them, sign the back, then take pictures of the front and back with the e-deposit app.  Chase has some verification in there and when you submit the pictures, it tells you it has read the routing number and account number.  And a personal check would be on hold for a while too.  The one I deposited was a major business check.

Chase also offers Zelle.  I don't know exactly how it works, but it is free, uses phones, and is almost instant.  I think both parties have to have it.

https://www.zellepay.com/how-it-works

Edited by OnMyWay

Share this post


Link to post
Share on other sites

I will add one thing that could impact your ability to do a check deposit as described.

When I installed the Chase Bank Mobile App and started it for the first time, it asked to know my location.  I didn't think that would be a good idea, so I backed out.  I then installed Express VPN for my phone, set it for California, and restarted the Chase App.  This time it did not ask for my location and I proceeded with the check deposit.

Some U.S. banks may not care if you are overseas, but I did not want to chance it.  I will always use the VPN when using the Chase App.

  • Like 2

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Sign in to follow this  

×
×
  • Create New...