How to Deposit Checks With the Bank of America iPhone App: A Step-by-Step Guide

Depositing checks with the Bank of America iPhone app is a breeze. Just sign into your account, navigate to the ‘Deposit Checks’ section, snap a photo of the front and back of your endorsed check, enter the amount, and tap ‘Submit.’ It’s as simple as that!

After you complete the deposit, the app will confirm that your check is being processed. You’ll also receive an email confirmation for your records.


In today’s fast-paced world, convenience is king. That’s why mobile banking has become a game-changer for managing finances on the go. One of the nifty features that many banks offer is the ability to deposit checks directly through their mobile app, and Bank of America is no exception. This feature not only saves you a trip to the bank but also allows you to deposit checks 24/7, right from the comfort of your home or while you’re on the move.

Whether you’re a small business owner with a flurry of checks to deposit or someone who just received a birthday check from grandma, knowing how to deposit checks with the Bank of America iPhone app can save you time and hassle. This article is perfect for Bank of America customers who are new to mobile banking or anyone looking to streamline their banking tasks. Let’s dive into how you can turn your iPhone into a personal teller with the Bank of America app.

Step by Step Tutorial on How to Deposit Checks

Before we walk through the steps, it’s important to note that depositing checks with the Bank of America iPhone app is secure and straightforward. You’ll need a good internet connection and make sure your check is endorsed properly.

Step 1: Sign into the Bank of America app

Accessing the Bank of America app with your online banking credentials is the first step.

Once signed in, ensure that your app is updated to the latest version to access this feature without any hitches. If you’re new to mobile banking, you might need to enroll in online banking to create your login credentials.

Step 2: Navigate to the ‘Deposit Checks’ section

Finding the ‘Deposit Checks’ section within the app is your next move.

Typically, this option is found within the app’s menu or on the dashboard. The interface is user-friendly, so it shouldn’t be hard to spot.

Step 3: Endorse your check and take photos

Prepare your check for deposit by endorsing it on the back.

When snapping photos of your check, make sure you do it in a well-lit area, and that all the details are visible. The app will guide you on how to capture the front and back of your check correctly.

Step 4: Enter the check amount

Key in the amount written on the check to proceed with the deposit.

Accuracy is crucial here to ensure that the correct amount is deposited into your account without any discrepancies.

Step 5: Submit and wait for confirmation

Hit the ‘Submit’ button and wait for the app to process your deposit.

You’ll receive an on-screen confirmation, and the app will also send an email to the address linked to your account. Keep the physical check until you’re sure the funds are available in your account.


ConvenienceThe ability to deposit checks through the app means you can do so anytime, anywhere. No more waiting in line at the bank or rushing to get there before it closes.
Time-SavingDepositing checks through the Bank of America iPhone app is quick and easy, significantly cutting down the time it takes to manage your deposits.
SecurityBank of America uses advanced encryption and security measures to protect your personal information and transaction details, giving you peace of mind.


Technical IssuesOccasionally, users may experience app glitches or crashes, which can be frustrating and delay your deposit.
Deposit LimitsThe Bank of America iPhone app may have daily or monthly deposit limits, which might be inconvenient for those with larger checks to deposit.
Check RetentionUsers are usually advised to keep the physical check for a period after depositing, which can be a hassle to remember and manage.

Additional Information

When depositing checks with the Bank of America iPhone app, there are a few more points you should keep in mind. Firstly, make sure you’re aware of the deposit cut-off times. Deposits made after the cut-off time or on non-business days will typically be processed the next business day.

Also, keep an eye on your account balance after making a deposit. Sometimes, the funds might not be available immediately, depending on the type of check and amount. Bank of America usually provides information on when the funds from your deposited check will be available for use.

Lastly, always ensure that your contact information is up-to-date in the app to receive all necessary communications regarding your deposits. If you run into any issues or have questions, customer service is available to assist you.


  1. Sign into the Bank of America app
  2. Navigate to the ‘Deposit Checks’ section
  3. Endorse your check and take photos
  4. Enter the check amount
  5. Submit and wait for confirmation

Frequently Asked Questions

What if the app rejects my check photos?

Ensure that the check is well-lit and fully visible in the photos, and try again. If the problem persists, contact customer service for assistance.

How long should I keep the physical check after depositing it?

It’s recommended to keep the check until you’re certain the funds are available in your account, which can take a few business days.

Are there any fees for depositing checks with the app?

Typically, there are no fees for depositing checks using the Bank of America iPhone app. However, it’s always a good idea to double-check with the bank’s schedule of fees.

Can I deposit any type of check with the app?

Most domestic checks can be deposited through the app, but there are exceptions such as foreign checks and money orders. Check the app’s guidelines for more information.

Is there a limit to how much I can deposit?

Yes, there are daily and monthly limits for check deposits using the app. These limits can vary depending on the type of account you have.


Depositing checks with the Bank of America iPhone app is a convenient and secure way to manage your funds without stepping foot inside a bank. With a few simple taps, you can deposit checks at any time, from virtually anywhere. This digital banking feature exemplifies how technology can simplify our daily tasks and provide us with more control over our finances.

Remember, success is in the details: endorsing the check, capturing clear images, and correctly entering the amount are crucial steps. If you encounter challenges, customer service is just a call or click away. Embrace this tech-savvy method and say goodbye to long bank queues and hello to more free time. Happy banking!