For step-by-step instructions on a successful deposit, you can view our help article here.

Overview

Users of an Account can deposit physical checks to pay an invoice by uploading photos using our mobile check deposit. Most checks clear in 2–5 business days following the day of deposit. Some checks may be subject to additional review.

Accepted Check Types

You can deposit any original, paper check in USD issued by a U.S.-based financial institution, including:

Cashier’s checks
Standard (handwritten) personal or business checks
Printed e-checks, provided they display “electronic check” or “e-check” on the face

Before depositing, ensure your check meets all of these criteria. Any missing or unclear details may delay or reject a deposit.

Unaccepted Check Types

Money orders or traveler’s checks
Photocopies, scans, or reprinted images of checks (only the original, physical check can be deposited)
Checks in any currency other than USD
Checks from non-U.S. banks
Altered or post-dated checks
Promissory notes

Please contact our support team for guidance if you have any doubts about whether your check is acceptable.

Check Processing Time

Generally, checks clear and become fully available within 2–5 business days. Processing times may vary based on:

Cut-off time: If you make a mobile remote deposit on or before 4 p.m. ET on a business day (the “cut-off time”), we will consider the next business day to be the day of deposit (the “next business day”). If you make a mobile remote deposit after the cut-off time, we will consider the business day immediately following the next business day to be the day of deposit.
Check amount: Funds from your mobile remote deposits will typically be available on the second business day after the day of deposit, up to a certain daily limit. Any amount exceeding this daily limit will become available on the fifth business day following the deposit. If multiple checks are deposited on the same business day, they will be processed in the order received.
Due diligence: Some deposits may require additional verification.

You can check the status of any deposit in your account dashboard under Accounts → Settings → Transactions.

Successful Check Deposits

Endorse correctly: Sign your name as it appears on the check and write “For mobile deposit only” beneath your signature.
Ensure legibility: The check’s date, payee, numerical amount, written amount, and signature must be clear.
Place it on a dark background: Lay the check on a clean, solid-colored (preferably dark) surface when taking a photo.
Check the MICR line: Make sure the routing, account, and check numbers at the bottom edge of the check are fully visible and unobstructed.

For step-by-step instructions on a successful deposit, view our help article here

Common Reasons for Deposit Failures

Incomplete or incorrect information: If the amount or account details you enter in the app don’t match what’s on the check.
Illegible or damaged checks: Smudged or faded text, missing signatures, or obstructed MICR lines.
Alterations: Checks with scratched-out amounts or other edits are not accepted.
Post-dated or stale-dated checks: We cannot accept checks dated in the future or older than 180 days (or any earlier void date printed on the check).
Previously deposited: A check that has already been deposited elsewhere cannot be processed again.

Returned Checks

If a deposited check is returned or bounces, it cannot be re-deposited. You will need to request a new check from the issuer. Please contact the original sender or your bank for questions about why a check was returned.

Still Need Help? Contact our support team at support@stellainvoice.zendesk.com