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Mobile Check Deposit Not Working

Mobile Check Deposit Not Working? Here Are 5 Reasons Why.

Banking / March 25, 2020

From simple automated calls to SMS alerts to the mobile apps we have today, mobile banking has truly come a long way. In 2021, most banking apps allow you to deposit a check with a click of a button, but sometimes you may stumble across your mobile check deposit not working.

Our bankers at Cornerstone Bank have found that there’s usually a few reasons why your check isn’t going through your banking app. To learn more, keep reading so that next time, your deposit goes through without a hitch. 

Reason #1: You didn’t endorse the check.

The most common reason why your mobile check deposit is not working is because you forgot to sign the back of your check. Before you take a picture, make sure you’re always endorsing your check. That way you don’t have to go back and start the process over again. 

Reason #2: You have a deposit limit.

Some banks allow you to set a limit on how much you can deposit on your bank account. So if a check is higher than that limit, it won’t go through. The best way to solve this issue is to simply call your bank to increase your limit. 

Reason #3: You’re not waiting long enough.

Mobile apps don’t have to follow the same deposit regulation as an ATM or when you go physically to the office. So instead of $200 being available right away, you may have to wait a couple of business days for the money to appear in your account. 

Reason #4: You don’t have a good connection. 

If your mobile check deposit is not working, check your connection. Sometimes your data connection may not be strong enough for a successful deposit. In that case, try switching over to Wi-Fi. Same goes the other way around. 

Reason #5: Your banking app isn’t working.

Sometimes it’s not you, it’s the bank. If you think the app may be down, contact your bank right away to see if other customers are having the same issue. That way they can actively work to get the app back in shape for you to deposit your check. 

Mobile Check Deposit Not Working? Cornerstone Bank can help.

Since 2001, Cornerstone Bank has put our customers first, and that means giving them the best mobile banking has to offer. Our app includes mobile deposit, touch ID, facial recognition for quick login, an “instant balance” feature, and the ability to customize your card’s security settings. Plus, we give each of our customers our personal numbers so you can call us with problems anytime (yes, even when the office is closed). 

For more information on our mobile banking features or why your mobile check deposit is not working, visit our Overland Park bank or give us a call at 913-239-8100 to let us know how we can help.