Learn how to perform a mobile check deposit at the many places that allow for such deposits.

• Chime Bank Mobile Check Deposit Faq Deposit
• Chime Bank Mobile Check Deposit Faq
• Chime Bank Mobile Check Deposit Faq Checking

First, we define what mobile check deposit or loading entails before outlining the specific steps on how to carry out the process.

Open the app and tap Deposit in the quick-action menu at the bottom of the Welcome screen, then Deposit a check. Choose an account and enter the amount of the check. Take pictures of the check. If you have questions about the timing of your direct deposit please contact your employer. Bank Transfer Initiated Through the Chime Mobile App or Website: Up to 5 (five) business days from the date the transfer was initiated (Monday-Friday) excluding federal holidays.

You will also learn more about fake check deposits, fraud, and penalties for handling fake checks.

Contents

• How do mobile check deposits work?
• Mobile deposit fake check – Fraud & Penalties
• FAQ on Mobile Check Deposit

What is a mobile check deposit?

The mobile check deposit is a smart feature that enables people to easily and conveniently deposit their checks from their geographical locations.

You do not have to travel long distances to an ATM or bank branch to receive these services. However, for one to do that, he or she must have either a tablet or a smartphone with an app of their preferred bank.

How do mobile check deposits work?

The process of depositing your checks using this feature is as simple as taking a selfie using your phone.

A picture displays all the physical traits of a given object, and therefore, enabling the bank apps software to process the checks, once the images have been uploaded.

All you have to do is capture the back and front of your check. The picture of the check has to show both the front and back features for it to be processed effectively.

It is also one of the approaches to confirming that indeed the check is yours.

An individual may secretly take a picture of other people’s checks and upload only one side; so, if one side is acceptable, it will facilitate the theft of checks.

After you have uploaded the image of your check, you are expected to select the bank account where to deposit, enter the amount, and approve the details.

The amount entered has to match what is written on the check. For instance, if it is $3,000.00 on the check, the keyed-in figure must be $3,000.00.

Before, submitting the check for processing, you are required to confirm the details. Affirmation of the details assists in the elimination of the possible errors, which could delay the process of depositing your check.

It also removes the possibility of having the money deposited in the wrong bank account.

Lastly, after completing the above steps and have submitted the check, you will receive a notification informing you whether or not your check has been deposited.

If the check is rejected, you will be given a chance to review and repeat the steps above to deposit your check.

However, if the check is rejected completely, kindly contact the customer care of your bank for further details and assistance regarding their mobile check deposit services.

How does a mobile check deposit work at Bank of America?

For you to enjoy the banking services through your smartphone or tablet, you need to download the Bank of America app. You can get the app through this link here.

After downloading the app, you should install and register by opening the app. Once you have done that, you can deposit the check by taking the front and back of your check, enter the account and then tap ‘make a deposit.’

How does mobile check deposit work Wells Fargo?

As their customer, sign on to your Wells Fargo Mobile application, then upload the front and back of your check, enter the amount you want to deposit as written on the check, and submit for processing.

How does mobile cheque deposit work at RBC?

The RBC Mobile app is available at the App Store and Google Play, or one can send a text “RBC” to 722722 and the bank will send you the link.

Once you have the app, all you need to do is sign the front and the back of your check, take images, upload, and submit the correct detail for processing.

How does Chime’s mobile check deposit work?

The Chime application is available for Android and iPhone smartphone users. Once you have installed the app on your phone, you can deposit checks from any part of the world.

However, you must ensure the check pictures and details are correct and clear to prevent the cancellation of the check.

How does the PNC mobile check deposit work?

At PNC, clients are allowed to deposit checks through their smartphones. The customer care team is always accessible to guide clients on how to do it.

However, the process is simple, as one is only required to send the picture of their correctly filled checks for processing.

How does Citibank’s mobile check deposit work?

Customers using the Citibank app are expected to only key in the details of their check as it appears in the images of their checks and submits them for processing.

The process takes less than 30 minutes before the check is fully processed and confirmed.

How does Fidelity mobile check deposit work?

On the Fidelity mobile app, you are required to tap the ‘deposit checks’ option and follow the steps to successfully deposit your check from your locality without having to visit the bank.

However, if the pictures of your uploaded checks are not clear, the process may be canceled.

Mobile deposit fake check – Fraud & Penalties

Counterfeit checks are usually rejected instantly after confirmation. Individuals can engage in these illegal activities by stealing checkbooks and making fake stamps.

In other instances, individuals can steal checks and attempt to deposit them through mobile apps, and giving false information, hoping the process will be successful.

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

I deposited a fake Check into my Account (or an ATM)!

Attempting to deposit a fake check into your ATM or account will raise integrity questions about your business and your account may be blacklisted or closed indefinitely until the investigation concerning the matter is complete.

Penalty for Depositing Fake Check

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

FAQ on Mobile Check Deposit

The following are the questions that are mostly asked across the various platforms about mobile check deposit

Can I deposit a Scanned check?

Yes, you can deposit such a check, but not all banks allow it. So, confirm with your bank by contacting them through their customer care service number.

How does remote deposit capture work?

The remote deposit allows you to snap or scan the image of your checks instead of moving the physical checks around. It happens through an encrypted internet connection to avoid the loss of sensitive information and checks.

Can you go to Jail for depositing a Fake Check?

Yes, you can be jailed as long as it is proven that you intentionally deposited the fake check. Therefore, you need to be careful when depositing checks.

References on Mobile Check Deposit

• 1: What is Mobile Check Deposit?
• 2: Mobile Banking App for iPhone and Android
• 3: What is Remote Deposit Capture?

READ: Mobile check deposit availability at Chase ATM

Your federal tax refund is important, and we want you to have it as fast as possible. That's why you can get your tax refund up to 3 days early¹ when you direct deposit with Chime and file directly with the IRS.

in government payments have been processed by Chime to date.

that filed with the IRS have received their government refunds up to 3 days early¹ through direct deposit with Chime.

Filing your taxes can be complicated.
Getting your federal tax refund early¹
with Chime is simple!

The IRS will start processing returns on February 12, 2021. Here’s how to help your federal tax refund arrive as quickly as possible with direct deposit.

You may receive forms from your employer or financial institution.

Add your Chime Spending Account and bank routing number when you file your federal taxes directly with the IRS.

Your federal tax refund will post to your Chime Spending Account as soon as it is received.

New to Chime?

Get your federal tax refund up to 3 days early¹, access to Chime’s best features, and financial peace of mind by signing up! The process is fast and easy.

We’re going above and beyond to have your back

We can’t control how the IRS processes taxes, but we’re here to help you figure it out and get your refund as fast as possible. Check out our resources on this page for more.

FAQs

If you have questions regarding taxes and your Chime account, please check out our FAQs below

Chime & Taxes

Nope! You do not have to pay or declare taxes for using Credit Builder. To learn more about filing taxes, we recommend speaking with a tax professional and checking theIRS website.

Nope! You do not have to pay or declare taxes for using SpotMe or any of the SpotMe Stimulus Payment advances. To learn more about filing taxes, we recommend speaking with a tax professional and checking theIRS website.

You can find your current Chime Spending Account and withdrawal limits by using the chat feature in your Chime mobile app, or by going to Settings > Account Policies & Terms > Deposit Account Agreement in order to view your current account limits.

Yes! Disabling transactions only works for Chime Visa^® Debit Card transactions and does not affect tax refunds³ or direct deposits.

Chime Bank Mobile Check Deposit Faq Deposit

Sometimes. Unfortunately, we cannot currently guarantee that our Mobile Check Deposit feature will accept all tax refund checks³ due to their unique shape, color, and markings.

Learn more about Mobile Check Deposit limits in your Deposit Account Agreementhere. Please view the back of your debit card to identify your issuing bank.

Direct deposit is the easiest way to deposit your tax refund into your Chime Spending Account. Whether you file online or on paper, all you need to do is enter your Chime Spending Account Number and Routing Number where prompted.

You can find your Spending Account Number and Routing Number in the Chime app! Just go to Settings > Account Information!

We can’t guarantee that your tax refund will deposit earlier than the estimated date provided by the IRS. That said, we’ll always post your tax refund to your account as soon as we receive it!

Yes, however a tax refund may only be direct deposited into an account that is in your name. To accept a joint refund, just make sure the name of the primary filer listed on your tax refund is the exact same name listed on the Chime Spending Account you are depositing to.

Important: If the primary filers name doesn’t match the name on the Chime Spending Account it is being deposited, the deposit will be rejected and returned to the IRS. No more than three electronic refunds can be deposited into a single financial account or prepaid card. If you exceed this limit, you will receive a notice from the IRS and a paper check refund.

If you recently got married or changed your name, contact Chime Member Services to update the name on your Chime Spending Account to match the name on your tax return. You’ll need your updated ID and marriage certificate for verification.

We’ll always post your tax refund to your account as soon as we receive it. If you don’t see your tax refund yet, that means we haven’t received it, and our Member Services team won’t have any further information about when it will become available.

The best way to find your estimated refund date is to visit Where’s My Refund on the IRS.gov website or the IRS2Go mobile app. If your expected refund date has passed, we recommend contacting the IRS for more information.

Note: State and Federal Tax Returns are processed on different timelines, and may post to your account on different days.

Chime Bank Mobile Check Deposit Faq

No. Our spending and withdrawal limits are controlled by our holding bank and cannot be changed at this time.

Yes! Your tax return is deposited using your Chime Spending Account number and Routing number. These do not change when you order a new card.

To make purchases larger than your daily spending limit on your Chime Visa® Debit Card, you can set up direct debit payments with billers who offer this option. You’ll just need to provide the merchant with your Spending Account Number and Routing Number.

Direct debits will be removed from your Chime Spending Account when requested by a biller and do not place any hold on your funds. If your balance is not sufficient to cover the payment, it will be declined.

Note: There are no limits or fees associated with direct debits.

Tax Basics

It’s possible your tax implications may have changed due to COVID and Unemployment. We recommend speaking with a tax professional and checking theIRS website for more information.

The IRS has statedthat the Economic Impact Payment (aka Stimulus Payment) will not reduce your refund or increase the amount you owe when you file your 2020 Federal income tax return. For the most updated Tax information, please check theIRS website.

If you did not receive a Stimulus Payment for which you are eligible, you may be eligible for the Recovery Rebate Credit. Please check theIRS website for more information.

According to the IRS, if you need more time to prepare and file your taxes, you may be able to file for an extension before the April 15th deadline. We recommend speaking with a tax professional and checking theIRS website for more information.

Alternative: Need more time to prepare your federal tax return? Please check this IRSwebsite which provides information on how to apply for an extension of time to file.

The last day to file your taxes without a penalty is Thursday, April 15th, 2021. To learn more about filing taxes, we recommend speaking with a tax professional and checking theIRS website.

Eight out of ten taxpayers get their refunds by using Direct Deposit. It is simple, safe and secure. This is the same electronic transfer system used to deposit nearly 98 percent of all Social Security and Veterans Affairs benefits into millions of accounts.

Chime Bank Mobile Check Deposit Faq Checking

According to the Internal Revenue Service (IRS), “Combining direct deposit with IRS e-File is the fastest way to receive your refund. IRS issues more than9 out of 10 refunds in less than 21 days. You can track your refund using the IRS’s ‘Where’s My Refund‘* tool.” To find out more, readthis article updated on December 4, 2020.

We will notify you as soon as we have received your refund – with an email and a push notification (if enabled on your mobile device)!

If your tax refund has not yet been sent, you can call the IRS to stop it. Their toll-free number is 1-800-829-1040.

If your tax refund is less than you were expecting, we recommend contacting the IRS. If you have the Save When I Get Paid feature enabled, 10% of your tax refund will be deposited automatically into your Chime Savings Account.

Your tax refund may be returned if:

• You filed your tax refund under a different name than the one you have on your Chime Spending Account.
• You attempted to deposit someone else’s tax refund into your Chime Account.
• You accidentally used the wrong account number or routing number when you filed.

The most common reason that tax refunds and direct deposits are returned is because the name on the direct deposit doesnotmatch the name on the Chime Account.

If you recently got married or changed your name, contact Chime Member Services to update the name on your Chime Spending Account to match the name on your tax return. You’ll need your updated ID and marriage certificate for verification.

If the name on the direct deposit does not match the name on the Chime Account, the deposit will be returned to the IRS.

Any tax refund that is returned to the IRS will be sent out as a physical check to the address you listed when you filed your taxes. Please reach out to the IRS directly if your refund was returned.