How to Handle a Rejected Mobile Deposit: What to Do After Your Check Was Rejected
If you're facing issues with your check being rejected during a mobile deposit, you're not alone. Here's a guide to help you understand the reasons behind the rejection and what steps you can take to resolve the issue.
Understanding 'Dis-Endorsing' a Check for Mobile Deposit
When you attempt to deposit a check using a mobile app, you're required to sign the back of the check as an endorsement. If you accidentally failed to do so, the check will be rejected by the mobile banking app. In these cases, you have a few options for resolving the issue.
Options for Cashing a Rejected Check
Here are a few steps you can consider:
Check Endorsement
Since you dis-endorsed your check for mobile deposit, you may need to re-endorse it before you can cash it. Make sure to sign the back of the check again.
Visit a Bank or Credit Union
Go to a bank or credit union where you have an account, or the bank that issued the check. However, their policies can vary. Ensure you can present the check to them.
Bringing Identification
Most banks require valid identification when cashing a check. Bring your ID card, passport, or driver's license.
Check Amount and Policies
If the check is for a large amount, some banks may have additional policies or fees for cashing checks not deposited into an account. It's important to be aware of these potential fees.
Contact Your Bank
Clarify your bank's specific policies regarding cashing a rejected mobile deposit check. It's a good idea to call your bank or visit them to get the most accurate information.
Additional Options for Cash Deposit or Cashing
If your mobile bank rejected your deposit, it might be because the check was drawn on an account with insufficient funds. Contact your bank and try an over-the-counter deposit or cash it at a store with acceptable ID.
What Does "Dis-Endorsing" Mean?
Dis-endorsement occurs when you fail to sign the back of the check as required for a mobile deposit. This can happen due to various reasons, such as not noticing the requirement or an accidental mistake.
Cashing the Check
You can only cash the check at a bank branch that is either the same as where your account is held or the bank that issued the check. Proper identification is usually required.
Another option is to try depositing the check through a different mobile bank app if you have one. Ensure that you use the proper endorsement on the check.
As a last resort, if the check is from an institutional or corporate account, you can attempt to cash it at a check-cashing place, but they may take a percentage of the amount. However, this option is not always available.
Final Thoughts on Mobile Bank Rejected Checks
Chime, while convenient for some, can be a less reliable mobile bank. If you continue to face issues with rejected mobile deposits, it might be worth reconsidering your banking options.