What should be written on the back of a check to be deposited using the mobile system is slightly different among the banks, but with a general structure that prevents fraud and takes the shortest time to complete the deposit. The first 1.5 inches on the left side is known as the endorsement area – do not write outside the lines.

Normal Requirements in the Endorsement

Your Signature: Please sign your name just as it appears on the payee line. Either blue or black ink is required to read on a scanner- do not use gel pens which do not smear.

For Mobile Deposit Only: You are required to write this below your signature. This is an important encryption that prevents the use of the check by cash, preventing attempts to access the cashes at the branches. Others alter it: “at [Bank Name] Mobile Deposit Only” or Remote Deposit Capture.

Details on Account (Frequently Requested): Please provide your complete checking account number below. Banks such as Chase include a statement of the type of account and the account number – e.g. for mobile deposit checking 123456789.

Bank-Specific Examples

Bank of America: Signature + “BoA only Mobile Deposit Signature.”

Wells Fargo: Signature + Mobile Deposit Only + date.

Chime: Signature + “For Mobile Deposit Chime” + account number.

Citizens Bank: Citizens Bank Just signature + Mobile Deposit Only.

Pro Tips for Success

Write well–no scribbling cursives. Photo backdrop: when using a dark background, they will not be washed out. Rescan the FAQ of your bank app; two out of five rejections come about due to mismatch. Retain the check 30-60 days after the deposit, and shred.

This basic ritual funds within 1-2 days compared to branch waits. Get it, and mobile banking makes things so easy with money.