PrimeWay Blog

7 Reasons Your Mobile Check Deposit Can Be Rejected | PrimeWay Federal Credit Union

Written by Andreana Binder | Jul 18, 2019 10:00:00 PM

Many of us have caught onto the convenience of depositing checks without needing to go into a bank.

It saves us time, saves us a drive, and adds convenience to our growing repertoire of online banking solutions.

But what happens if we run into issues while using mobile apps for depositing our precious money? Do we have to call Support right away, or are there ways we can troubleshoot these issues ourselves quickly and seamlessly?

If you’ve ever run into issues when using mobile check deposit features, we’ve got you covered with some quick tips.

What is Mobile Check Deposit?

If you don’t already know – you’re about to rejoice. No longer do you need to drive to the bank to deposit your checks. These days, most financial institutions have corresponding apps that allow you the ability to deposit your check using your smartphone.

All that’s needed is a picture of the front and back of your endorsed check – and that’s it! Your deposit is credited to your account in a matter of minutes or days, depending on your financial institution’s rules and the amount of the check (as it would if you were to deposit a check with a bank teller).

What Does it Mean When a Deposit is Rejected?

When a deposit is rejected, it refers to a situation where a financial institution or receiving party refuses to accept and credit the deposited funds into the intended account.  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.