How does mobile check deposit work?

Article author
Alex
  • Updated

Here's how to deposit a check in your Acorns app:

  1. Log in to your Acorns app
  2. Select "Checking" to navigate to your Acorns Checking account
  3. Select "Checks" 
  4. Select "Deposit Check" and then follow the prompts. You'll be asked to enter the check amount and to take a picture of both the front and back of the check. 

You can deposit up to 3 checks per business day. (See a full list of limits here.)

How to deposit a check

Here are a few things to keep in mind when you're depositing a check:

  1. The check can't be post-dated (when the date on the check is in the future). 
  2. The check must be made out to the Acorns Checking account holder's name. You can't deposit a check to your account that is made out to someone else.
  3. When taking an image of the front and back of the check, make sure you're in a well-lit area and put the check against a dark/contrasting background
  4. To endorse the check, you must write "For mobile deposit only into Acorns" followed by your signature on the back of the check.

Heads up — once you submit a mobile check deposit, it can't be canceled. After you have written "For mobile deposit only into Acorns," it's more than likely the check won't be accepted at any other financial institution.

How long does a mobile check deposit take?

It can take 1-3 business days for a mobile check deposit to process. 

Generally, if a check is deposited by 2:00 pm PT, Monday through Friday, the money will be available in your Acorns Checking account by the next business day. 

If you deposit a check on Saturday, Sunday, or a holiday, the money will usually be available in 2 business days.

Why isn't mobile check deposit available for my account?

Mobile check deposits may not be available until your Acorns debit card has been active for 15 days. Here's how to activate your Acorns debit card. After 15 days, any in-app notifications about this issue will disappear and you should be able to use the mobile check deposit feature. 

Another reason mobile check deposit may not be available is if you recently updated your linked primary checking account. You'll need to make sure that your primary checking account has been verified and that you have successfully made a deposit into either your Invest or Acorns Checking account. Here's how to verify your primary checking account. 

If you have any questions or concerns, please contact us!

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