Properly endorsing a check to be deposited via mobile is a sure way of having the money deposited without being declined. Chase, Bank of America, and Wells Fargo are examples of banks that have certain procedures that must be followed to ensure legitimacy and eliminate fraud.

Step-by-Step Endorsement

• Sign the Back: Turn the check and sign your name in the endorsement section (first 1.5 inches to the left). Write the name on the payee line–blue or black is the best to scan.
• Write For Mobile Deposit Only: Place this phrase under your signature, with this phrase just as it is (or its version, such as Mobile Deposit) on your bank). This restricts reuse. Others indicate on the apps, For [Bank Name] Mobile Deposit Only.
• Add Account Number (where necessary): Underneath, banks such as Chime or SoFi might require you to enter your full checking number.

Capture Clear Photos

• Lighting: No shadows, natural light, lay on dark surface.
• Check: Check all square, no glare. Front first, then back.
• App Instructions: Use prompts- e.g. the app of the Bank of America automatically captures.

Common Mistakes to Avoid

• Missing out on Mobile Deposit Only- check rejected.
• Unreadable signatures or smudges- rejected by OCR scanners.
• Depositing duplicate check–marks as duplicate fraud.

Bank-Specific Variations

• Wells Fargo: Mobile Deposit Only + date.
• Chase: Account type + number.
• Check app pre-deposit; funds cleared 1-2 days.

Check deposit in application; retains check 30 days, shreds. Mobile beats Branches-95 per cent faster by FDIC data. An ideal performance spares visits, pain, headaches.