Deposit a Check Remotely

Updated
  • 2 minute(s) read

Remote deposits can be made to Checking, Savings, and Money Market account types. Before depositing a check, read these tips to prevent remote deposit capture (RDC) issues. When preparing the check, make sure to sign the back of the check and add "for mobile deposit only."

To deposit a check remotely using the mobile app:

  1. Select Deposit on the bottom navigation bar.

    Mobile app navigation icons including Home, Transfer, Deposit, and More options for users.


  2. A screen with instructions and deposit limits appears. Select Got it to accept the terms and continue. The instructions will reappear if one week has passed since the user selected Got it. To read the terms, choose photo check deposit.
    To customize the instructions under "Prepare the check," go to Narmi Command and select Institution settings > RDC Instructions.

    Mobile app instruction page for mobile check deposit, including signing and deposit limits.


  3. On the Check deposit page that appears, select the info icon to view deposit instructions and limits or select View History to see a list of past deposits. To begin the capture process, select Front.

    Mobile app interface for check deposit, including options for front and back images, account selection.


  4. Follow the guidance provided in the app to take photos of the front and back of the check. The app auto-captures the photo, but you can also manually take a photo by selecting the capture button.

    Mobile app camera view where a check is displayed with instructions to move closer for better scanning.


    To retake the photo, select the front or back image, then choose Retake photo.

    Mobile app menu options for check photo including retake, view larger, and delete options. Retake photo is highlighted.


  5. After capturing the front and back photos, select the account to receive the check. Remote deposits can be made to Checking, Savings, and Money Market account types.

    Mobile app check deposit interface showing account selection and balance details for various accounts.


  6. Select Enter amount and a number pad appears to enter the check amount.

    Mobile app check deposit screen showing account details with amount field highlighted.


  7. Select Deposit to finish.

    Mobile app check deposit interface showing amount and account details for transaction.

    Confirmable Messages

    At this point, if any errors are found from Ensenta (such as signature not detected or date invalid), a message appears asking the user to correct the image and confirm. These messages are configured via Ensenta. Please get in touch with your Narmi Relationship Manager to configure.
    When the error appears, users select the front and/or back photo to retake, then select Confirm.

    For more troubleshooting information, go to Mobile Deposit Photo Capture Issues.
    Mobile app check deposit interface showing amount and confirmation instructions for mobile deposit.


  8. Once the check is deposited, a deposit receipt appears. The Expected availability date only shows if your institution has hold days configured via the segment setting features.hold_days.rdc_hold_days or the institution setting Mobile Check Deposit Hold Days. If your institution has set an RDC Cutoff Time in addition to hold days, we add one business day to the expected availability date. Note: Contact your Narmi Relationship Manager to update the customer-facing help text under Expected availability. For more information on remote deposit settings and custom text, go to Remote Deposit Settings.
    Select Done to return to the home screen or select Make another deposit to deposit another check. For subsequent deposits, the Deposit to field will automatically default to the account selected for the previous deposit.

    Mobile app deposit receipt showing amount, account details, and expected availability date.

Related articles