Cash App is an immensely popular app from Square Inc. (now called Block Inc) that gives you a host of features including ability to save, invest, send and receive money etc. A recent feature in Cash App called Mobile Check Capture, gives you the ability to mobile deposit paper checks which is a completely online process that you can do from within Cash App. If you are looking on how to deposit a check on Cash App, you are on the right post to get the complete steps to do this.
Cash App allows you to deposit a check online with a few taps on your mobile, using only the Cash App. You need to snap a photo of the check and enter the relevant details to submit the check via Cash App. Once the check is accepted, you can expect the check amount to be credited in your Cash App account.
Now the catch here with this feature, is that Cash App has NOT rolled out this mobile check deposit feature to all users. It is available to selected Cash App users which is determined by Cash App, probably by using an algorithm.
There is no clarity from Cash App on when this feature will be available to all Cash App users. This has created a lot of confusion on whether you can actually a deposit a check on Cash App.
So if you don’t see this feature, do not be surprised. You can check if you have access to deposit a Check on Cash App by going to the Banking tab from Cash App home screen-> Deposits & Transfers -> Deposit Check. If you dont see “Deposit Check” option, you don’t have access
As per the Cash App support team, you get this message on this query:
“The Check Deposit is being rolled out in stages to all customers. You may not have access to it right away. It’ll be available to you as soon as it’s fully rolled out.”
How to deposit a check on Cash App? For this, go to Banking Tab on Cash App Home Screen, then go to “Deposits & Transfers” and select “Deposit Check”. Follow the instructions to enter the check details and complete the check deposit.
We will go over the detailed steps to do this as well as the limits on eligible checks, check deposit limit, check deposit cut-off times etc.
Can You Deposit a Check on Cash App
You can deposit a check on Cash App if you have access to “Deposit Check” option. You can check this by going to Banking Tab on Cash App Home Screen, then go to “Deposits & Transfers” and if it shows the “Deposit Check” option, it means you can deposit a check using Mobile Check Capture.
Currently, the mobile check deposit feature is not available to all Cash App users and is being rolled out over a period. So if you don’t see this option, it may be that it has not been rolled out to you yet.
How to Deposit a Check on Cash App?
- Open your Cash App and log in
- Next tap on the Banking Tab (“Bank Icon” showing your Cash App Balance) at the bottom left
- Next tap on “Deposits & Transfers”
- Next select the option “Deposit Check” (if you don’t see this option, it means you don’t have access to the feature yet)
- Next follow the on-screen app instructions which will include snapping a photo of the check after endorsement, entering the details and confirmation
Once you submit the check on Cash App, you will get the confirmation if the check is accepted or rejected by Cash App. Acceptance of the Check is subject to Cash App eligibility requirements and your Cash App account is in good standing.
Even when the check is accepted by Cash App, you still need to preserve the original check for two weeks. After this period, you can destroy the original check or clearly and indelibly mark it as VOID.
Where is Mobile Check Capture on Cash app
You can find the Mobile Check Capture option (also called Mobile Check Deposit) by going to Banking Tab on Cash App Home Screen, then go to “Deposits & Transfers” and if see it shows the “Deposit Check” option.
Currently, the Mobile Check Capture feature is not available to all Cash App users and is being rolled out in phases. So if you don’t see this option, it may be that it has not been rolled out to you yet.
Cash App Mobile Deposit Cut-off Time
Cash App has a cut-off time of 7 pm on Business day for mobile check deposits i.e. not being a Saturday, Sunday or a Federal Holiday. This means if you deposit a check before 7 pm on a business day, it will be counted as submitted on that day.
If you deposit on or after 7 pm, it will be counted as submitted on next business day.
Strictly, if you go by the Mobile Check Capture user agreement, the cut-off time is actually 4 PM. However, most users who have deposited get a message for the cut-off time being as 7 pm.
Cash App Check Deposit Time? How long does it take to deposit a check on Cash App
A check successfully deposited on Cash App before 7 pm on a business day (other than Saturdays, Sundays, and federal holidays) will be credited by the 4th business day in your Cash App account. However, if it is a US treasury check, you can expect the check to be credited on the next business day.
As per Cash App terms, the maximum period to credit a check may go up to 15 business days if there are any issues with the check, if it is put on hold.
So while Cash App offers check deposit facility, it’s not the fastest and many users do post reviews on timeline for check.
It actually makes sense to go for traditional banks or even Chime bank for depositing a check, where you can mobile deposit the check on Chime App.
If you want to get your funds in Cash App for such check deposit, you can add the debit card of the bank as a payment method in Cash App. That way, you can pull the funds almost instantly or even directly from such bank debit card option, to make a payment using Cash App.
You can even a cash a check instantly using Venmo, but this does come with a standard fee of 1% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks (Minimum fee 5$ per check). You can check our guide on how to deposit a check on Venmo.
Cash App Check Deposit Limits
The mobile check deposit feature is subject to limits i.e. USD 3500 per check and 5 check deposits per week.
You can check the latest deposit limits on the Cash App, if you have access.
Eligible Checks for Cash App
Your check must be eligible to be deposited in the Cash app in the first place. So make sure you that meets all of these requirements of an “Eligible Check”, so that you don’t minimize rejections:
- Check is written in your name, or jointly to you and another person;
- Check is in your possession and control;
- Check is drawn on or payable by a bank, credit union, or other depository institution in the United States;
- Check is payable in USD;
- Check has been properly signed or similarly authenticated by the maker;
- Amount of the check does not exceed the Cash App mobile check deposit limit
- Check is not post dated and check date not past due i.e. not more than 90 days old
- Check should not have been cashed or deposited previously
- Check has not been altered in any way since it was issued
- Check has been indorsed as per Cash App requirements
- Check has not been dishonored previously, nor are you aware of any reason to believe that the check will be dishonored
You can deposit a check on Cash App, only if you have access to the feature. Again, the timelines of getting a check funds deposited by the 4th business day in case of Cash App is not very attractive.
Make sure the check deposit is within the limits and check ticks off all the boxes to get processed as an eligible check on Cash App (As mentioned above) to avoid rejections. You can explore alternatives like Venmo or Ingo to deposit a check, if if you want to deposit the check instantly and don’t mind paying fees.
If you have doubts if the check will be successfully deposited online, it may be better to consider physical check deposit with traditional bank or even Walmart if it supported.