When using our mobile check deposit feature for your business checking account, you may encounter one of two issues: a failed or rejected deposit. This guide explains common reasons for both and provides troubleshooting steps to help you successfully deposit checks using your Bluevine mobile app. 

Failed Mobile Check Deposit

A failed deposit means our system could not process or recognize the check during the mobile deposit process. This issue often happens due to the check's image or app functionality.

Common Reasons for a Failed Deposit:

• Blurry or Poor-Quality Images: The check images captured needed to be clearer for the system to recognize.
• Incorrect Check Positioning: The check wasn't appropriately positioned within the screen guidelines, leading to an incomplete or skewed image.
• Glare or Shadows: The check image has glare from overhead lighting or shadows covering essential areas.
• Check is Folded or Torn: Physical damage may prevent the system from processing it.
• App Connectivity Issues: A temporary issue with your mobile connection may prevent the deposit from going through.

Troubleshooting Steps for Failed Deposits:

1. Retake the Check Photo: Ensure you have placed the check on a flat, dark, well-lit surface and the entire check is visible in the frame. Try using our auto-capture feature for the best results.
2. Hold Your Phone Steady: Keep the phone steady while taking the picture to avoid blur.
3. Avoid Shadows or Glare: Take the photo in natural or diffused lighting to prevent glare or shadows.
4. Check the Connection: Make sure your phone has a strong and stable internet connection before attempting to deposit again.
5. Restart the App: If you continue to have issues, try restarting the mobile app and attempting the deposit again.
6. Ensure your phone operating system and Bluevine mobile app are up to date: Make sure you are using the latest version of the Bluevine app and that your app is compatible with your phone system version. For more information, visit our article on mobile app compatibility. 

Rejected Mobile Check Deposit

A rejected deposit means you successfully uploaded your check, but it was rejected due to standard check deposit policies.

Common Reasons for a Rejected Deposit:

• Missing Endorsement: The back of the check wasn’t signed or endorsed properly.
  • For an example of a properly endorsed check, see our article on depositing checks.
• Stale Dated or Post-Dated Check: The check is either too old (stale-dated) or dated in the future (post-dated).
• Duplicate Deposit: The check has already been deposited either through Bluevine, or another institution via physical item, image, or electronic funds transfer.
• Exceeded Deposit Limits: You exceeded your daily or monthly mobile check deposit limit. Although you can deposit an unlimited number of checks per calendar day, your account is subject to a rolling 30-day check deposit limit. See our article on account limits for information. 
• Non-Eligible Check Type: The check is not eligible for mobile deposit.
  • In addition to the above reasons, Bluevine cannot accept the following check types: 
    • 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 from financial institutions located outside the United States
    • Checks not payable in U.S. dollars
    • 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)

Troubleshooting Steps for Rejected Deposits:

1. Review the Endorsement: Make sure you sign the back of the check and include "For mobile deposit to Bluevine only." 
2. Check the Date: Ensure the check has a legible date and is neither stale-dated nor post-dated. 
3. Verify Deposit History: Double-check that the check hasn’t already been deposited either at Bluevine or another institution via physical item, image, or electronic funds transfers.
4. Monitor Your Deposit Limits: Confirm that you haven’t exceeded your mobile deposit limits.
   • Although you can deposit an unlimited number of checks per calendar day, your account is subject to a rolling 30-day check deposit limit. For more information, see our article on account limits.
5. Deposit Eligible Checks: Ensure the check is acceptable for mobile deposit. If unsure, review our list of non-eligible check types above or confirm with the check issuer that it is still valid.

If you continue to experience problems with a check deposit, contact our customer support team for assistance.