Why was my mobile check deposit declined?  (2024)

FAQs

Why was my mobile check deposit declined? ? ›

This rejection can occur for various reasons, such as insufficient funds in the depositor's account, discrepancies in the provided account details, a hold or freeze on the account, or suspicious activity triggering security measures.

The system may automatically reject checks for any of the following reasons: The check image isn't readable. The check is folded or torn. The check isn't signed on the front or on the back.

Refer to maker: This means the financial institution that issued the check has declined to pay for it. You'll need to contact that financial institution for a more detailed explanation. Insufficient funds: The issuer of the check said the account doesn't have enough funds.

What Are Some Reasons a Bank Won't Cash a Check? Some reasons why a bank won't cash a check include not having a proper ID, not having an account with that bank, the check is filled out incorrectly, or the check being too old.

Checks dated more than 6 months prior to the date of deposit. Checks that have previously been submitted through this service or through a remote deposit capture service offered at any other financial institution. Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.

The following are not eligible for Mobile Deposit: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), non-American Express traveler's checks, cash, checks that are ...

When you cash or deposit a check and there's not enough funds to cover it in the account it's drawn on, this is also considered non-sufficient funds (NSF). When a check is returned for NSF in this manner, the check is generally returned back to you. This allows you to redeposit the check at a later time, if available.

No matter how your check was processed, you should contact your bank right away. The bank might be able to clear up the problem quickly. Even without a cancelled check, you can prove you made a payment with your bank statement, which shows the date and amount of the payment.

Bank Verification Steps:

Capturing front and back images of the check: Clear images are crucial for bank verification. Transmission to the bank via secure internet connection: Ensuring safe and encrypted transmission.

Check was not written to you, as your name appears on your Ingo^® Money account. Check was not endorsed. Amount of the check is less than $5 or more than $5,000. Amount of the check will cause you to exceed the daily, weekly, or monthly funding limits for your card.

Why would a check be unable to process? ›

If Bank B's customer does not have enough money or there are other issues, such as a stop-payment order, a forged signature, or a missing endorsem*nt, or even worse, if it is a counterfeit bank check, then Bank B bounces the check and notifies Bank A.

Large deposits: Checks worth more than $5,000, or those in excess of the total current value of your account, are more likely to be held. Frequent overdrafts: If an account has a repeated history of overdrafts, banks may be more likely to place holds on checks to ensure they clear before releasing the funds.

Make sure the check is signed by the check writer, you have endorsed it on the back, you have written "for mobile deposit only" on the check, the check has a date, the amounts are filled in and the amounts match. Any writing that overlaps the numbers on the bottom of the check may interfere with processing.

This rejection can occur for various reasons, such as insufficient funds in the depositor's account, discrepancies in the provided account details, a hold or freeze on the account, or suspicious activity triggering security measures.

Reasons that deposit items may be declined include ineligible or non-negotiable checks, missing signature or missing endorsem*nt, a stale or post-dated check, poor image quality, daily or monthly deposit dollar amount exceeded, or an unacceptable item.

When a check says “do not convert to ACH,” it means that the payer does not want to make a payment electronically. Instead, the payment needs to be processed manually from one financial institution to another through the check collection system.

Bank Verification Steps:

Capturing front and back images of the check: Clear images are crucial for bank verification. Transmission to the bank via secure internet connection: Ensuring safe and encrypted transmission.

The bank may return the deposit if the issuer has insufficient funds. The check could also be returned if there's any issue with the mobile deposit, such as if the captured images are illegible or the check is missing an endorsem*nt.