Capital One Mobile Deposit
Capital One offers retail bank services to individuals and businesses, including checking, savings, credit cards, mortgages and loans. Clients can review their account balances and transactions through online banking and mobile banking apps for iPhone, iPad, and Android devices. There is a monthly limit for Mobile Check Deposits and it's displayed when you select your deposit account. Once you've hit that limit, you can't deposit another check with the app until the limit is reset at the beginning of the next month. What time do I need to.
Use your phone and the Capital One® app to easily deposit checks in a flash. Go to the Capital One Mobile app and select your account. Click on “Deposit” next to the camera icon. Take photos of the front and back of your check (please write 'for Capital One mobile deposit' and sign your name on the back of the check prior to taking your picture).
Ready to get started using Mobile Deposit? Check out our demo or follow the steps below.
- Go to the Capital One Mobile app and select your account.
- Click on “Deposit” next to the camera icon.
- Take photos of the front and back of your check (please write "for Capital One mobile deposit" and sign your name on the back of the check prior to taking your picture).
- Follow the prompts to fill out the deposit amount and, if you’d like, a memo.
- Slide your finger across the green button to complete your deposit.
Be sure to keep your check in a safe location until you see the full deposit amount listed in your account’s Past/Recent Transactions. Once you do, make sure to destroy the check immediately by shredding it or using another secure method.
Mobile Deposit FAQ
Is Mobile Deposit secure? We protect all information you send us with device recognition technology and mobile banking data encryption. For your security, we never store your passwords or the check deposit data and images on your mobile device.
Are Mobile Deposits FDIC insured? All Mobile Deposits that are accepted by us are FDIC insured up to the same amount as any other deposit into your account. There's nothing more important to us than keeping your money safe. Get all the facts at http://www.capitalone.com/bank/fdic/.
What do I need to use Mobile Deposit?
- A Capital One eligible checking, savings, or money market account in good standing.
- The latest version of the Capital One® app. Download for iPhone or Android.
Can I deposit any check with Mobile Deposit? We generally accept U.S. personal, business, and government checks. There are some exceptions, so check out our Terms & Conditions for a complete list.
A few examples of deposits we don't accept include:
- Checks made payable to anyone other than yourself and any joint account holders.
- Checks that are more than six months old, postdated, or not dated.
- Checks payable to “Cash”
- Money orders and traveler’s checks
- Foreign checks
Are there any fees? No, Mobile Deposit is a no charge service which allows you to deposit checks into your Capital One eligible checking, savings, and money market accounts without trips to the branch or ATM.
Is there a deposit limit for Mobile Deposit? You can make as many deposits as you want, but there are daily and monthly limits on the dollar amount you can deposit. When you go to enter your check, the app will show you the maximum amount you can deposit. If you need to deposit an amount that's more than the limit, visit one of our branches or ATMs.
How soon can I use the funds I deposit with my phone? If your deposit was submitted on or before the business day cutoff (9:00 p.m. ET), your funds are generally available by the next business day. Sometimes, we might place an extended hold on your deposited funds. If we do, we'll notify you on when to expect your funds to be available for withdrawal.
What happens if I make a mistake? If the amount you enter is different from the one on the check, we’ll automatically adjust the amount to match what is on the check. Look for this information in your account’s Past/Recent Transactions.
If you deposit your check to the wrong account, just wait until your deposit becomes available. You can then transfer the money into the account you want.
How will I know my deposit image went through? A message in the app will tell you that your check image was submitted successfully. You will also see the deposit amount listed in your account’s Upcoming/Recent Transactions. If you make your deposit before 9 p.m. ET, your deposit will appear in your transaction history the next business day. If not, it will appear in two business days.
Why was my deposit rejected? There are a few reasons why we might need you to submit your deposit again. Here are a few examples and ways to correct them.
- We can’t read the check. Try holding the phone flat above the check, making sure the check is in focus and the image isn’t too small.
- The corners of the check are cut off. Try flattening the check to remove any wrinkles.
- The image is too light or too dark. Try placing it on a dark, non-reflective background in a well-lit area.
- Information on the check is unclear.
- The check is missing your endorsement.
My smartphone is working fine, so why am I getting the error message, “There's a problem connecting. Check your network and try again, or visit your nearest Capital One Branch or ATM to make a deposit”? This can happen if your smartphone has a weak Internet or data connection. Try again in a few minutes and see if this helps.
Still need help? Give us a call at 1-877-442-3764 for further assistance.
'>Mobile Deposit is a secure way to deposit checks on your smartphone within the United States. This guide will help you learn how to use mobile deposit and answer frequently asked questions.
Ready to get started using Mobile Deposit? Check out our demo or follow the steps below.
- Go to the Capital One Mobile app and select your account.
- Click on “Deposit” next to the camera icon.
- Take photos of the front and back of your check (please write 'for Capital One mobile deposit' and sign your name on the back of the check prior to taking your picture).
- Follow the prompts to fill out the deposit amount and, if you’d like, a memo.
- Slide your finger across the green button to complete your deposit.
Be sure to keep your check in a safe location until you see the full deposit amount listed in your account’s Past/Recent Transactions. Once you do, make sure to destroy the check immediately by shredding it or using another secure method.
Mobile Deposit FAQ
Is Mobile Deposit secure? We protect all information you send us with device recognition technology and mobile banking data encryption. For your security, we never store your passwords or the check deposit data and images on your mobile device.
Are Mobile Deposits FDIC insured? All Mobile Deposits that are accepted by us are FDIC insured up to the same amount as any other deposit into your account. There's nothing more important to us than keeping your money safe. Get all the facts at http://www.capitalone.com/bank/fdic/.
What do I need to use Mobile Deposit?
- A Capital One eligible checking, savings, or money market account in good standing.
- The latest version of the Capital One® app. Download for iPhone or Android.
Can I deposit any check with Mobile Deposit? We generally accept U.S. personal, business, and government checks. There are some exceptions, so check out our Terms & Conditions for a complete list.
Capital One Mobile Deposit Cut Off Time
A few examples of deposits we don't accept include:
- Checks made payable to anyone other than yourself and any joint account holders.
- Checks that are more than six months old, postdated, or not dated.
- Checks payable to “Cash”
- Money orders and traveler’s checks
- Foreign checks
Are there any fees? No, Mobile Deposit is a no charge service which allows you to deposit checks into your Capital One eligible checking, savings, and money market accounts without trips to the branch or ATM.
Is there a deposit limit for Mobile Deposit? You can make as many deposits as you want, but there are daily and monthly limits on the dollar amount you can deposit. When you go to enter your check, the app will show you the maximum amount you can deposit. If you need to deposit an amount that's more than the limit, visit one of our branches or ATMs.
How soon can I use the funds I deposit with my phone? If your deposit was submitted on or before the business day cutoff (9:00 p.m. ET), your funds are generally available by the next business day. Sometimes, we might place an extended hold on your deposited funds. If we do, we'll notify you on when to expect your funds to be available for withdrawal.
Capital One Mobile Deposit Image
What happens if I make a mistake? If the amount you enter is different from the one on the check, we’ll automatically adjust the amount to match what is on the check. Look for this information in your account’s Past/Recent Transactions.
If you deposit your check to the wrong account, just wait until your deposit becomes available. You can then transfer the money into the account you want.
How will I know my deposit image went through? A message in the app will tell you that your check image was submitted successfully. You will also see the deposit amount listed in your account’s Upcoming/Recent Transactions. If you make your deposit before 9 p.m. ET, your deposit will appear in your transaction history the next business day. If not, it will appear in two business days.
Why was my deposit rejected? There are a few reasons why we might need you to submit your deposit again. Here are a few examples and ways to correct them.
- We can’t read the check. Try holding the phone flat above the check, making sure the check is in focus and the image isn’t too small.
- The corners of the check are cut off. Try flattening the check to remove any wrinkles.
- The image is too light or too dark. Try placing it on a dark, non-reflective background in a well-lit area.
- Information on the check is unclear.
- The check is missing your endorsement.
My smartphone is working fine, so why am I getting the error message, “There's a problem connecting. Check your network and try again, or visit your nearest Capital One Branch or ATM to make a deposit”? This can happen if your smartphone has a weak Internet or data connection. Try again in a few minutes and see if this helps.
Still need help? Give us a call at 1-877-442-3764 for further assistance.
1. External AccountYou can link your checking or savings account to an account you have at another bank. Doing so lets you easily transfer funds between your accounts.Learn how to link an external account online.
2. Mobile DepositDeposit a check from anywhere in the U.S. and U.S. territories with Mobile Deposit. Follow these steps on our mobile app to snap a picture of your check:
- Go to the Capital One Mobile app and select your account.
- Click on “Deposit” next to the camera icon.
- Take photos of the front and back of your check (please write "for Capital One mobile deposit" and sign your name on the back of the check prior to taking your picture).
- Follow the prompts to fill out the deposit amount and, if you’d like, a memo.
- Slide your finger across the green button to complete your deposit.
3. ATM DepositIf you live near a Capital One Café or Capital One Bank location, you can make a check deposit at the ATM at that location. Find out if there’s one near you.
4. Direct DepositYou can set up Direct Deposit by giving your Capital One account number and routing number to your employer. You can find that information either:
- In the app: Sign in and select your bank account. Scroll down to “Account Info” and select “Show More.”
- Online: Sign in and select your bank account. Click on “View Details” underneath the name of your account in the top left corner
You can also set up Direct Deposit by printing out our blank Direct Deposit form, filling in your information and giving it to your employer.
5. Make a transferVisit our Transfers page to learn more about making a transfer.
For more information about how long it takes for money to move in and out of your account, please visit the Funds Availability Page.
'>1. External AccountYou can link your checking or savings account to an account you have at another bank. Doing so lets you easily transfer funds between your accounts.
Learn how to link an external account online.
2. Mobile DepositDeposit a check from anywhere in the U.S. and U.S. territories with Mobile Deposit. Follow these steps on our mobile app to snap a picture of your check:
- Go to the Capital One Mobile app and select your account.
- Click on “Deposit” next to the camera icon.
- Take photos of the front and back of your check (please write 'for Capital One mobile deposit' and sign your name on the back of the check prior to taking your picture).
- Follow the prompts to fill out the deposit amount and, if you’d like, a memo.
- Slide your finger across the green button to complete your deposit.
3. ATM DepositIf you live near a Capital One Café or Capital One Bank location, you can make a check deposit at the ATM at that location. Find out if there’s one near you.
4. Direct DepositYou can set up Direct Deposit by giving your Capital One account number and routing number to your employer. You can find that information either:
- In the app: Sign in and select your bank account. Scroll down to “Account Info” and select “Show More.”
- Online: Sign in and select your bank account. Click on “View Details” underneath the name of your account in the top left corner
You can also set up Direct Deposit by printing out our blank Direct Deposit form, filling in your information and giving it to your employer.
5. Make a transferVisit our Transfers page to learn more about making a transfer.
For more information about how long it takes for money to move in and out of your account, please visit the Funds Availability Page.