Mobile Check Capture is a new feature on the Cash app that allows you to perform a cash app check deposit, but you may not be able to access it right now since it is only available to some select users.
The mobile check capture option has been added to the ways you can deposit money into your Cash App account without going to a retail store.
You can process your paper check from your Cash App account by using the Mobile Check Capture feature to perform a Cash App check deposit.
This alone makes it easier especially if you don’t have a bank linked to your cash app account to cash your check. However, it is not one of the fastest ways to deposit money in your account as it might take a while to get the check processed.
But, it is a less stressful alternative for cash app users who can access it to deposit funds or money into their cash app account.
Here’s how to make a cash app check deposit if you can access the mobile check capture feature in your cash app account.
Cash App Check Deposit Requirements
First things first, there are some requirements your check has to meet before you will be able to process it via your Cash App application.
Below, I will be listing these requirements so that you will be better aware of what they entail.
- The check should be made out to you, the person whose name appears on your Cash App account, or jointly with an approved individual.
- The check should be made out in USD. Because the Cash App only works with US banking institutions, the funds in the check must be in US dollars.
- The person or corporation sending the check has correctly signed the check.
- The check should match or falls short of your deposit limit. (For every Cash App account, each check has a maximum of $3,500 with a total restriction of $7,500 each month, and the app will notify you how much you have left before you exceed your monthly limit.)
- The check has to be valid. Checks are typically limited to 90 days.
- The check should not have been deposited.
- The check should not have any adjustments.
- You should sign the check and write “Cash App Deposit” beneath your signature.
Now that you know what your paper checks need, here’s how you can use your Cash app to process them.
How to Perform a Cash App Check Deposit
Once you’ve filled up your checks, here is how you can use the Cash app to process them to make a deposit.
- Launch the Cash App (make sure you have an account set up).
- In the lower-left corner of your screen, tap the Balance icon.
- Locate and choose the “Deposit a check” option. (If it’s not there, you are not eligible
- Enter the check’s amount.
- As directed, use your phone’s camera to photograph the front and back of the check.
- confirm the information on both sides of the checks.
- Finally, click the “Submit” button.
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Does the Cash App Deposit Checks Instantly?
No, the cash app doesn’t deposit your cash instantly. This depends on the circumstances surrounding your check and other factors, it takes 1–4 business days before the money is deposited in your Cash App account.
While you are waiting for the deposit to hit your account, here are a few things you want to take cognizance of.
- Before quitting the app, ensure that your submission was successful.
- Check that the contact information in your Cash App account is up-to-date.
- Cash App customer service will contact you if there are any problems with your check deposit.
- Keep the original paper check for at least two weeks in a safe location.
- If Cash App does not inform you differently, you may trash the check after two weeks.
- Regularly check your Cash App, email, and messages. Keep an eye out for any notifications and wait for your check money to show up in your account.
- If you have any questions or issues concerning your deposit, please contact Cash App support.
Cash App Mobile Check Deposit Fund Availability
After processing a check using your Cash App application, the check will be available to you in 1 to 4 business days and the day will start counting on the day the check was sent, provided it was sent before 4 p.m.
However, for checks other than U.S. Treasury checks, they will be processed between 1 and 15 business days.
Cash App Check Deposit Limit
The limit for one check at a time is $3,500, and the total limit for a month is $7,500.
That being said, the check you are going to issue has to be less than or equal to your deposit limit.
NB: You don’t need to worry so much about keeping track as you won’t be able to transfer more than this limit. Also, the app will notify you of what you have left before reaching your monthly limit.
Scanned Check, Cash Deposit App
When making use of the Mobile Check Capture feature, you will be required to scan your paper check.
If you’ve not written the details clearly, ensure that you do so, as the wrong text might come out when trying to confirm what you have written on the payment check on your app.
What if You’re Having Trouble Posting Checks to your Cash app?
You are expected to be patient for 1 to 15 business days after processing your paper check. If 15 days have passed and the cash hasn’t been added to your account, You should contact Cash App customer support by calling this number: (800) 969-1940.
Mobile Check Deposit App
Nowadays, you do not need to drive to the bank to cash a check. You can basically do it from the comfort of your home using a banking mobile app such as Cash, which I am discussing.
Cash App isn’t the only banking finance platform that accepts check deposits. There are numerous banks and credit unions that accept ACH. However, there are a few things you need to be aware of when using this feature on an app.
- First and foremost, you must write legibly.
- Ensure you are aware of the limit you can deposit using cash at the bank you are using.
- Taking note of the fees the banking app charges
- Once you are done scanning the check, Keep it until the cash is deposited into your account, just in case a personal check is required.
How Can I Cash a Check Online Instantly?
There are different ways to cash a check online. Most banking platforms include an app that can be used for the most part. However, you can do this totally through a browser if you are using a popular platform, such as PayPal.
With PayPal, you can cash a check online by following the steps listed below.
- Select Wallet.
- Tap Cash a Check (you will be asked for your location and permission to use the camera).
- In a scenario where you do not have a PayPal balance account, you will be requested to create one.
- Tap Next after entering the check amount and taking a photo of the front and back of your endorsed check using your mobile device.
- Choose how soon you want to get access to your money, and then hit Confirm.
NB: This structure is not available to those in New York. In addition to that, the check takes an hour at most to be processed. Once it is processed, you’ll be prompted to write “VOID” across the front of your check and submit another photo showing it has been voided.
Conclusion
Now that you’ve read this article to the end, you should be well aware of how to perform a Cash App Check Deposit and what is required. and what to do if your money isn’t added to your account after 4 business days.
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