How do I deposit a check?

What is mobile deposit? 

To deposit a check, all you need is the Bluevine mobile app (available for free in both the Apple App Store and the Google Play Store), a properly endorsed check, and a well-lit area.

What is a properly endorsed check?

First, verify that the check is made out to you, the business owner, or the legal business name and is an acceptable check. Next, endorse the back of the check by signing your name or printing your business name on the signature line. Below that, write “For mobile deposit to Bluevine only.”

How do I use mobile deposit?

Open the Bluevine app on your smartphone and select Deposit Checks on the homescreen. Enter the check amount, then click Take a photo. You’ll need to take photos of the front and back of the check. Follow the instructions on the screen if it asks you to move closer or further away from the check, and ensure there is proper lighting. If this is your first time depositing a check, you’ll see a pop-up informing you of the potential hold time for your first check deposit.

Once both images are complete and the check amount has been entered, click Deposit.

When can I use a mobile deposit? 

You can use mobile deposit at any time, assuming your account is in good standing. However, you cannot deposit funds that exceed your 30-day rolling check deposit limit.

How long does it take for funds to be available after using a mobile deposit? 

Check deposits are generally available within one to six business days. Funds are typically available the same business day if deposited before 3:00pm PT/6:00 pm ET. However, deposit times may be longer for new Bluevine accounts. Check out our guide on check deposit holds to learn more about check deposit time frames.

What types of checks can I deposit using mobile deposit?

Checks should be made payable to your legal business name and within your deposit limit. We cannot accept the following:

• Checks payable to any person or entity other than the business owner or the business registered to Account (i.e., third party checks)
• Checks payable jointly to the business and any other person(s) or business (i.e., made out to ABC Company *and* John Smith)
• Checks containing alterations, illegible items, fraudulent checks, or checks Customer should have known or have reason to believe were fraudulent
• Checks that have been previously deposited at another institution via physical item, image, or electronic funds transfers
• Checks from financial institutions located outside the United States
• Checks not payable in U.S. dollars
• Checks that are more than six (6) months old (i.e., stale-dated)
• Checks that are post-dated (i.e., payable on a date in the future)
• Checks where the date is indistinguishable or absent
• Remotely created checks (a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature)
• Traveler's checks and savings bonds
• Non-negotiable instruments, such as promissory notes
• Starter checks or counter checks (checks from a teller window)