Because almost all banks and credit unions offer mobile deposit, you won’t need to visit a bank to cash a check anymore. You can simply deposit the check by taking a picture of the check. The Bank of America mobile check deposit limit are $10,000 per month for accounts opened for 3 months or longer; for accounts opened for fewer than 3 months, the limit is $2,500 per month. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation. Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation.
Learn the procedure to follow when depositing mobile checks at Bank of America. This article will also include check depositing limits and the time taken to process mobile check deposits. If you also wish to know how to cancel mobile check deposits, continue reading this article.
Contents
- How to deposit a check online at Bank of America
- Mobile check deposit Bank of America FAQs
How to deposit a check online at Bank of America
The Bank of America is one of the most accepted and used banks in the USA. Just like the other financial institutions, this bank has also attained a great deal and moved its services into the digital world.
Now you can deposit your check online from your destination; it can be at home, school, or workstations, without physically visiting the bank or its ATMs.
The process for depositing your check at this bank through the online method is indeed easier. Just follow the following few steps and you will be done in less than 30 minutes.
Step 1: Confirm that you have a strong internet connection
This is an important step. With strong internet connectivity, you are likely to spend less time depositing your check online.
Kindly, if you find that you find you have slow internet connections, use another option of depositing your check such as visiting the bank or move to a nearby cyber for strong internet connection.
Step 2: Confirm that your check is not fake
Confirmation of the genuineness of your check is the second most important step. It lowers the possibility of your check being rejected.
Step 3: Download the Bank of America official application
The app is available online at Google Play Store. Just download it or if you have it, go to the next step.
Step 4: Sign in to access your checking account or savings account
In case you find it difficult logging in, you can request for help from the Bank of America customer care team.
Step 5: Take a picture of your check
When taking the picture, make sure that you capture all the important details such as the amount and endorsement area.
Step 6: Upload your check
To upload your check is easier because there are steps and guidelines throughout the app, which are meant to guide you. Once you have uploaded the check, ensure the details you have entered are correct and submit your check for processing.
Step 7: Completion of depositing
You will receive a notification, once you are done. If it’s unsuccessful, you are requested to try again after rectifying the issue that could have led to the rejection of your check.
How long does Mobile check at BoA take?
Depositing a check through the BoA app usually takes twenty to thirty minutes. After this period, you will receive notification that your check has been accepted or not.
If it has been accepted, you are likely to see your money in your account after a maximum of fifteen days. The period depends on the number of clients who are using the application.
BoA mobile check deposit time
If you have a strong internet connection, you are likely to spend less than 20 minutes to have your depositing process done. However, if your internet is slow, you may take a little bit longer.
BoA Mobile check deposit Limit
The mobile check deposit feature of this bank has some deposit limits, depending on the client’s time with the financial institution, and the type of your account.
Those with an account that has been active for less than 90 days are allowed to deposit 1,000 dollars a month. But, for those whose account has been operational for over three months, they can deposit up to 5,000 dollars in a single month.
Cancel Mobile Check deposit at Bank of America
As an esteemed client, you are given a chance to request the cancellation of your mobile check deposit. However, when requesting a cancellation, you are expected to give the reason why you are doing so.
After that, you will wait for a notification that your check deposit has been successfully canceled. For more details, kindly contact the customer care team.
Mobile check deposit Bank of America FAQs
There are several questions that individuals do ask themselves pertaining to the Bank of America. Nevertheless, the following is the most commonly asked questions that you will ever find in almost all platforms and forums.
Mobile check deposit BoA not working – what should I do?
In certain instances, you will find that the mobile checking deposit not to work. Usually, when there a massive system failure, clients are informed through their emails or texts. Again, if there is a planned maintenance program, you will be notified.
However, if you do not receive any notification and you experience a system failure, you are advised first to check your internet connection.
If the connection is strong, you should contact the customer care team to receive further instructions on what to do.
References on BoA Mobile check deposit
- Bank of America: How to use Mobile Check Deposit for Fast & Simple Deposits
- LendEDU: Can you cancel a check?
READ MORE: Banks with Mobile check deposit
Personalize your app
Arrange the app’s features in a way that makes the most sense to you—on a per-device basis and move things around using the new dashboard feature. View our tutorial for details.
View balances and account activity
Search for transactions, add a note or an image, and filter by tags. Access up to 120 days of account transaction history, then accumulate more history going forward.
Make deposits using your device camera
Deposit checks into checking or savings accounts using the mobile deposit feature.
View e-Statements
e-Statements currently accessed in Online Banking are now available in Mobile Banking.
Touch ID or PIN authentication
Easily and securely log in using fingerprint, facial recognition or personal identification number.
Improved security
Utilizes a one-time passcode to complete certain transactions.
Link other accounts
Transfer funds
Transfer funds between your VirtualBank accounts and setup transfers with external bank accounts.
- User ID – 'Remember Me' capability
- Touch ID® for iPhone®
- Fingerprint Authentication for Android™ phones
- View check images
- Change your password from your phone
- Mobile Deposit limit display
- Auto-capture check image functionality when you deposit your checks
- View up to 90 days of mobile deposit history
- Change to a preferred landing page
- View, add, edit, and delete your payees and payments
- Import payees from contacts
- Select and view favorite payees for easy access
- Make person to person payments
Mobile Deposits
- Download and open our Mobile Banking app on your smartphone.
- Take photos of the back and front of the check(s) that you wish to deposit.
- Once you've successfully submitted your deposit, you'll receive an email confirmation.
- Mobile Deposits made by 8pm ET on a business day will be credited the same day.
Preview some of the features in our video.
Sign up for E-Statements
statements in an instant. Plus, going forward, get up to 18 months of statement history through Online Banking.
Boa Mobile Check Deposit
Enroll your account(s) in minutes:
- Log into Online or Mobile Banking
- Select a deposit account
- Select “Documents”
- Click on “Documents and Settings”
- Enroll “All Accounts,” or place checkmarks next to account(s) you wish to enroll
- Click “Save Settings”
Mobile Banking FAQs
How do I sign out of the Mobile Banking app?
When you close the Mobile Banking app, you are automatically signed out.
Who do I contact with any questions about the app?
Any questions in reference to the feature/functions or issues relating to the app can contact our Client Service
at 1-877-998-BANK (2265).
How do I use the “organize accounts” feature to see my accounts in a certain order?
View the tutorial.
Can I send secure messages within the app?
Secure messaging is currently not available in the app but will be available in a future enhancement.
Is the email option available in the app a secure way to send information about my account?
No, the email option in the app should only be used for general questions or product information.
You should never enter your account number, login credentials or other non-public information in a
regular email.
How does the new feature of connecting to an institution work?
Connecting to an institution allows you to view your account information at other participating
financial institutions. Not all banks participate, so if your bank is not in the top 25 pick list you can try
entering your bank name in the search field. If your bank participates it will ask you to enter the login
credentials you use for that bank. If the bank does not participate, you will receive a message stating
“We don’t recognize this institution”.
Have more questions? Feel free to contact our Client Service Department at 1-877-998-BANK (2265)
How Does Mobile Check Deposit Work
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