Deposit a Check With Cash App – Since its inception in 2013, Cash APP
, established by Block Inc. and known as a leader in the financial technology industry since it allows for peer-to-peer payment, has cemented its reputation in the hearts of users as a trusted platform among other P2P payment apps.
However, instead of discussing the ordinary service that the cash app provides, this post will focus on addressing one of the most recent concerns regarding the usage of cash app, which is “can you deposit a check with cash app?”
If you’ve come to this website to find out if “cashing a check with cash app work?”, you’ve arrived to the correct place, so stick around as I walk you through this “sensitive” topic, by the end of which you should know if it works, how it works, and other key details. Let’s get this party started!
Can You Deposit a Check With Cash App?
YES, the cash app now lets users to deposit actual paper checks using their smartphone camera. This means that as a cash app user, you can now cash your check immediately from the convenience of your mobile app.
How Does Depositing a Check With Cash App Work?
Depositing a Check to cash app mobile app using your mobile device, is a cool feature with straight forward process whereby you can deposit your checks and have the funds credited to your cash app account within an hour or less. You just need to take a picture of the check you want to cash and submit it for review.
If your check is accepted, you have the option of paying a fee to have the funds credited to your PayPal account immediately, or if you don’t need the money right away and the check isn’t returned as unpaid, you can have your money for free in 10 days.
What Type of Checks Can You Deposit With Cash App?
With the cash app check deposit feature, you are allowed to cash nearly all the types of check in existence. For clarity sake below is a list of types of check you can deposit on cash app;
- Payroll and government checks (must have pre-printed signature.)
- Business checks.
- Two-party personal checks.
- Handwritten payroll checks.
- Insurance checks.
- Attorney checks.
- Cashier’s checks.
- Money orders.
- Rebate checks.
- Refund anticipation checks.
If the check you are about to deposit to cash app falls into any of the category that is listed above, then you can proceed with your check deposit with cash app, However if it doesn’t appear on the list above you can be sure that such checks isnt accepted or you can cintact the customer care to be sure.
What Type of Checks Deposit Does Cash App Not Accept?
Even though cash app check deposit allows for cashing nearly all types of checks, there are few that isnt allowed to be deposited through the app, you can check them out on the list below;
- Conditional endorsement checks.
- Counter checks.
- Traveler’s checks.
- Credit card checks.
- Customer appreciation certificates.
- Gift certificate checks.
- Starter checks.
- Warrant checks.
- Checks that aren’t endorsed for you.
Requirements to Deposit Paper Checks With Cash App
To use cash app for check deposit, The check has some basic requirements that must be met. failure to meet any of this requirement will have your check deposit rejected or bounced. Check the list below.
- The check needs to be written to you (or jointly to you).
- Should be properly signed by the issuer (individual or company.)
- The check must be payable in US Dollars.
- That it’s drawn on or payable by a bank, credit union, or other US depository institutions.
- The check must be unaltered and not have “VOID” written on it.
- The check must be properly dated and must not be past more than 90 days.
- The check must be within the minimum and maximum amount set for the use of Mobile Check Capture.
- The check must not have been previously deposited already.
- The check must not be dishonored previously, nor are you aware of any reason to believe that the check will be dishonored.
- The check must be properly endorsed by you.
How to Deposit a Check With Cash App
To mobile deposit a check using cash app is an easy peasy thingy, If you follow the process outlined below you would have your first check deposited with cash app.
- Launch the app, at the bottom left corner “Tap on your balance”
- Scroll down, till you see a “deposit a check option” click on it.
- The next page that opens up will ask you to “enter an amount” of the check you are depositing
- After which, You’ll be asked to “enter an amount” (This means to enter the amount of the check you want to deposit)
- Lastly, when prompted, you have to snap a clear picture of the front and back of the check you are to deposit and submit.
Ensure the picture of the check taken is clear and visible to reveal all of the needed info, also make sure the check is endorsed and that you write “for deposit only” beneath your signature.)
After you have followed all the process of snapping and submitting your check to cash app for verification, There are some things that Cash App recommends before and after you deposit a check. Some of which are
Make sure your contact info are updated: You have to ensure that your contact information is up to date so that the company can get in touch with you if needed. They could be contacting you using email or even text. But be careful not to click any links inside them as these might be scammers trying to pose as customer support.
Keep your paper check safe: After you submit a check with Cash App’s Mobile Check Capture, while you await confirmation, It’s recommended to keep the original paper check somewhere safe. Which can be destroyed after two weeks, unless Cash App tells you otherwise.
How Long Does It Take Check to Clear on Cash App?
Checks deposited through cash app don’t usually arrive that same day. Therefore, Check deposit made with cash app on or before 7 PM EST Monday till Friday will typically be available in your Cash App account within 4 business days.
Do You Have to Pay a Check Deposit Fee on Cash App?
The use of cash app for check deposit attracts ZERO fee or charges. That is to say unlike other check cashing apps like ingo money and co that charge 1% upto 5% of the transaction fee, Cash app does not charge any fee for depositing checks into your Cash App account.
What Is the Cash App Check Deposit Limits?
There are always limit to how things can be used and the limit to how you can use cash app check deposit is not an exception. Depositing checks with cash app comes with limits, such that users are only allowed to mobile deposit up to $3,500 per check and up to 5 checks totaling $7,500 per month.
You need to have it in mind that, every attempted check deposits that got declined would definitely add up towards the five check limit for the month.
Can I Cash a 3rd Party Check With Cash App?
No, You cannot deposit third-party checks with cash app. This is due to the fact that for a check to be deposited into a cash app account, It can only be done so by the person it was endorsed to or it must be payable to the account’s owner.
Can I Cash My Stimulus Check With Cash App?
Yes, you can now have your stimulus check deposited into your cash app account. If you received paper stimulus checks you can quickly deposit the money using Cash app check deposit feature for free, without ever leaving the house.
How to Cash My Stimulus Check With Cash App?
Cashing my stimulus check with cash app is the same procedure for cashing every other check. You can a stimulus check using cash app by following the below procedure;
- Launch the app, at the bottom left corner “Tap on your balance”
- Scroll down, till you see a “deposit a check option” click on it.
- The next page that opens up will ask you to “enter an amount” of the check you are depositing
- After which, You’ll be asked to “enter an amount” (This means to enter the amount of the check you want to deposit)
- Lastly, when prompted, you have to snap a clear picture of the front and back of the check you are to deposit and submit.
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Conclusion on How to Cash a Check With Cash App
If you’ve made it this far, I hope your questions about check deposit with cash app have been answered. As promised at the beginning of this article, I am confident that you now have an accurate understanding of cashing checks using your cash app, how it works, the requirements, charges, and everything else.
As a result, if you found this post useful in any way, please share it with your friends and others who may benefit from it. Cheers!