How to deposit a check

Category: Personal Finances

Deposit Check with Cell Phone


Whether it’s been a long time since you’ve deposited a check or you’ll be depositing one for the first time, there are numerous choices these days to choose from. Although it could vary by each specific bank, and may also depend on the amount you want to deposit, some of the main options for depositing a check include:

Bank teller

If you’d rather deal directly with someone face-to-face when making your check deposit, you can always deposit your check with a bank teller whenever your bank is open. If you can only make it to the bank on weekends and this is how you’d prefer to deposit your checks, shop around for a bank that has flexible weekend hours. Some banks are open all day on Saturdays, and may even offer hours on Sundays. You’ll usually have the option of going inside the bank and depositing your check that way, or if you have your own deposit slip with you, you can use the bank’s drive-through window without even getting out of your car.


One of the quickest and most convenient ways to deposit a check is with your smartphone. If your bank offers an app and your smartphone has a camera, there’s a good chance you’ll be able to deposit your check in a matter of seconds. However, note that checks deposited by mobile phone usually can’t exceed a certain dollar amount, so you may not be able to use your smartphone for all check deposits. Otherwise, this might be one of the fastest and most convenient ways to deposit your check. You can make a deposit 24 hours a day and in the comfort of your own home (or wherever you have an Internet connection or cell phone signal).


Another option for depositing your check is through an ATM that is owned by your bank. You can go to any branch location or any ATM that belongs to your bank. In addition to bringing the check, make sure you also bring your debit card. This can be a convenient option for those who would prefer or need to deposit their check at the bank, but can only make it to the bank before or after business hours. This is also a simple, fast way to deposit your check if the line at the bank teller is very long—beat the line and be in and out in just a couple minutes.          

Drop box

If you can’t make it to your bank during normal business hours, but you don’t have a debit card, you can always use the bank’s drop box instead of their ATM. You’ll need a deposit slip, and while there might be some available next to the drop box, you’ll want to bring your own just in case.

Opt for direct deposit

If you’re only depositing paychecks, ask your boss if it’s possible to get your checks directly deposited into your bank account. The money will be available instantly whenever it’s payday, and without having to make that trip to the bank or worrying about depositing the check on your own.

Are you receiving long-term payments from an annuity or structured settlement, but need cash sooner? Peachtree Financial Solutions may be able to help. Contact Peachtree today to learn more about selling future payments for a lump sum.


Nothing above is meant to provide financial or tax advice. You should meet with appropriate professionals for such services.


Tags: atms, banks, depositing a check, direct deposit, smartphones

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