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Check deposit

Updated

This article covers the following questions:

How much does it cost to deposit a check?

Check deposits have a $5.00 processing fee that is only charged once the check has been cleared.

How do I deposit a check?

From the main dashboard of the mobile app, tap on the three dots below the image of your card and then select "Check Deposit."

Before entering your check amount and uploading images of your check, please carefully follow the steps below:

  1. Sign – sign the back of your check.
  2. Endorse – Make sure to write "For mobile deposit only at TransPecos Banks, SSB
  3. Check the box – If your paper check has a checkbox for mobile deposits, it is also required to check it.

Important: Keep in mind that all checks are not formatted similarly. For example, some checks will have statements such as, "DO NOT WRITE, STAMP, OR SIGN BELOW THE LINE." Please follow the instructions outlined above as well as the instructions listed on the back of your check before completing your deposit to avoid rejected checks.

How long does it take to process a check?

It can take up to 5 business days for a check to clear. Please wait for 5 business days for the money to arrive into your Crowded account.

Note: Banks are closed on Saturday, Sunday, and federal holidays; business days are Monday to Friday.

 

How do I know if my check can be deposited?

You may deposit any check that meets the following requirements:

  • Is payable to you
  • In U.S. dollars only 
  • Is free of alterations
  • Is readable 
  • No signs of fraud
  • Has not been previously deposited at another institution
  • Is from a financial institution located within the U.S.
  • Is dated within the last 6 months
  • Is not a digital reproduction
  • Was not created remotely (meaning, a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature)

The following items are not eligible for Mobile Check Deposit:

  • Money orders
  • Travelers cheques
  • Savings bonds
  • Non-negotiable instruments, such as promissory notes
  • Starter checks

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