Mobile Check Deposit Resources

Find answers to questions on how mobile check deposit works, including how to use it, what types of checks you can deposit, and what to do with a check after you deposit it.

What is Mobile Check Deposit and what accounts are eligible?

Mobile Check Deposit is a feature that provides you the convenience of depositing checks on your schedule, without needing to visit a branch or an ATM. All you need is a smartphone or a tablet with the Santander Business Banking App. It’s as simple as taking a picture of the front and the back of the check, select the account in which to deposit, enter the dollar amount of the check, and confirm your details. You will receive a confirmation number once you are done.

Most Santander Business Checking and Savings accounts are eligible to receive Mobile Check Deposit.

You can make mobile check deposits at your convenience, any time of day, 7 days a week. Deposits received after the 10 p.m. ET cutoff time will be considered received on the following business day.

For additional information, refer to the following:

How do I make a Mobile Check Deposit for my business account?
How do I endorse a check deposited through Mobile Banking?

How do I make a Mobile Check Deposit for my business account?

To deposit a check through the Business Banking App:

Access and log in to the Santander Business Banking App
Select “Check Deposit” from the “Accounts” default page or the menu (if you have multiple accounts, you’ll select the account to deposit to in a later step)
First use only:

Select or add a primary email address
Review and accept the Terms and Conditions, and
Click “Accept”

Tap the “Capture Check” tile
Hold the camera and align the Front Image box with the check borders

Result: Once aligned and all information is focused, the camera will automatically take the image. The Back Image camera screen displays.

For the best results, images should be taken in a well-lit area, with a dark background
Your device must have at least a 2 megapixel rear-facing camera. For best performance, we recommend a 4 megapixel rear-facing camera with autofocus.

Hold the camera and align the Back Image box with the check borders

Result: Once aligned and all information is focused, the camera will automatically take the image. The application will then return to the Check Deposit screen with a green check mark confirming a successful image was taken.

Note: After 3 unsuccessful attempts with the automated image taking, a manual option will become active.

Swipe to the account receiving the deposit, in the “Deposit To” section
Type the amount of the check being deposited in the “Amount” section
Select the email in which you choose to receive notifications

Note: The default will be the email address selected as the primary email address, during the review of the Terms and Conditions.

Tap “Continue”
Review the deposit information for accuracy
Click “Confirm”

Result: A confirmation screen will display “Your deposit has been successfully submitted.”

What types of checks are accepted?

Santander’s Mobile Check Deposit will accept the following types of checks:

Business Checks
Cashier's/Official Bank Checks
US Treasury Checks, or Child Tax Payment Checks with Routing # 000000518
Money Orders (with some exceptions)
Government Checks

The following checks are NOT eligible for Mobile Check Deposits. To deposit these types of checks, please visit your local branch or ATM:

Checks not drawn on a U.S. institution or not in U.S. dollars
US Savings Bonds
USPS Money Orders
Checks not payable to the customer
Checks that already have been deposited
Travelers Checks
Illegible checks
Duplicate checks or check copies
Any check that has previously been returned unpaid

Please note that the types of checks that are accepted through Mobile Check Deposit may be amended or restricted at any time. For more information, please refer to the Digital Banking Agreement for Business Online and Mobile Banking.

Checks deposited using Mobile Check Deposit will be available in accordance with the Funds Availability Policy disclosed in our Business Deposit Account Agreement. Our general policy is to allow you to withdraw money deposited in your account no later than the second business day after the day we confirm the receipt of your deposit. Please see our funds availability policy for details.

How do I endorse a check deposited through Mobile Banking?

For a check to be accepted through Mobile Check Deposit, you must sign the back of the check and write "FOR MOBILE DEPOSIT ONLY" underneath your signature.

Are there limits to Mobile Check Deposit?

Yes. You are subject to both daily and monthly limits to use the service. You will be notified of your limits when you attempt to make a deposit. Once you have reached your limit, you will not be able to make another deposit until the following day or month.

How do I take a good picture of the check?

In order to take an ideal picture of a check, please follow the guidelines below:

Your device must have at least a 2 megapixel rear-facing camera. For best performance, we recommend using a 4 megapixel rear-facing camera with autofocus.
Make sure the check is endorsed and includes "FOR MOBILE DEPOSIT ONLY" underneath the signature.
Place the check on a dark, non-reflective surface with sufficient lighting.
Line up the check with the guide and hold steady – the image will be automatically taken when the conditions are ideal.

What should I do with a check after I deposit it?

Please keep the check for 14 days. After this time, please write "VOID" on the check and dispose of it properly.

Can I use the Business Mobile App to deposit a check to my personal account?

No. To deposit a check into your personal account you will need to log into your Personal Mobile Banking App.

Is there a fee for using Mobile Check Deposit?

No. There is no fee to use Mobile Check Deposit at this time. Data rates may apply. Check with your service provider for details of specific fees and charge.

Small Business Resources – Mobile Check Deposit | Santander Bank - Santander

Navigation Menu