How much can I deposit?

Mobile Deposit limits include:

Per Check Limit$2,500
Daily Limit$3,000
Monthly Limit (rolling 30 day period)$5,000
Checks must be at least $1.00. You can’t deposit more than your account balance limit.

How do I deposit a check to my account?

Follow these steps:

  1. If you haven’t already done so, download the mobile app from Google Play Store or Apple App Store
  2. Log into the app.
  3. Select Deposit and then DEPOSIT A CHECK.
  4. Make sure the check is made out to you. Sign your name on the back and write ‘For mobile deposit only’ underneath your signature.
  5. We’ll walk you through the rest.

Limits apply.

Mobile Deposit cannot be used to make your first deposit.

How can I start using mobile deposit?

In order to use the Mobile Check Deposit Feature in the GreenDot app:

  • You must have activated the card we mailed you;
  • Your must have had at least four recurring payroll or government benefit direct deposits for the past two months;
  • You must have had point-of-sale card transaction activity in the past month;
  • Your account must be in good standing

What if I have not made a deposit recently?

In order to use Mobile Deposit, your account must be active with recurring payroll direct deposit for at least the last 2 months, so simply make a deposit to your account by setting up ASAP Direct DepositTM on your account from your employer.

How fast will my money be in my account?

Mobile deposits could be in your account as fast as one business day, but some checks may take up to 5 business days.

How do I know when my money is in my account?

We’ll notify you when the money is in your account. You can also log in any time and check your transaction history.

How much does it cost?

There is no fee to deposit checks to your account.

What checks can I deposit?

We accept all these in U.S. dollars:

Personal checks written to you 

Commercial preprinted checks issued by a U.S. business to you such as:

  • payroll checks
  • insurance agency checks
  • money orders
  • cashier's checks
  • rebate checks
  • stock dividend checks

U.S. Government-issued checks including:

  • tax refunds
  • federal, state and municipal government checks

What checks cannot be deposited?

Checks:

  • not payable to you (even if signed over to you)
  • payable to more than one person (even if you are one of the names on the check)
  • payable to "Cash" or "Self"
  • payable in a foreign currency
  • drawn on a bank outside the U.S.
  • that are not dated, are postdated, or more than 90 days old
  • that are irregular in any way (for example, where the numerical and written amounts are different)
  • that have previously been cashed or deposited (either in paper form or electronically) or returned unpaid for any reason
  • you suspect to be fraudulent, forged, altered or not properly authorized
  • that do not have the signature of the person who wrote you the check
  • that exceed the deposit limits set for mobile deposits

Registered government warrants

Demand drafts

Do I need to sign the back of my check?

Yes. Sign your name on the back of the check clearly in blue or black ink and write ‘For mobile deposit only’ underneath your signature, or it will not be accepted. Make sure your signature is a reasonable size.

What’s the best way to get a good picture of my check?

Here are some tips:

  1. Place your check on a flat surface with a dark background and good lighting.
  2. Make sure all 4 corners of the check are in the camera view.
  3. Focus your camera by holding your phone steady, tap the area on the screen that you’d like the camera to focus on, and snap the photo.

Note: Some phones automatically store photos taken on the device. For security reasons, please ensure photos of your check aren’t saved to your phone or online storage.

How long should I keep my check after I submit it?

Keep your check in a safe place until the money is in your account before destroying it in case it is needed for verification purposes. Once you deposit a check with us, you can’t cash it anywhere else.

Can I cancel a pending deposit?

No. Once you submit a deposit, it cannot be canceled.

Why does it take so long / Why do you need more time to deposit my check?

As a mobile bank, we work hard to deposit your check as quickly as possible. Some checks take longer to process, depending on the bank issuing the check. We try to give each check that comes to us a fair chance to be deposited, and sometimes that may take a little longer. If you need to have your check cashed immediately, you may cancel your deposit request by clicking “No, thanks”.

Why am I not eligible?

You may not be eligible to use the Mobile Check Deposit Feature because you have not registered the card we sent you in the mail or your account is not active with recurring payroll direct deposits. Enroll in ASAP Direct DepositTM for your payroll deposits!