Can You Deposit a Check Online? Everything You Need to Know

Business owners: are you sick of running to the bank a few times a week to deposit checks or watching stacks of unprocessed checks building up on your desk? Are you sick of spending weeks waiting for paper check payments to arrive in the mail? 

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If so, you’re not alone. 

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Many business owners are tired of dealing with inconvenient, outdated paper checks. Many are also tired of struggling to find payment processing solutions that allow them to deposit checks electronically. Now, these business owners are asking a few critical questions: can you deposit a check online? And what’s the easiest way to get electronic check processing services?

Luckily, there’s good news for those businesses. You can deposit your checks online, and it is possible to find eCheck services that specialize in facilitating electronic check payments for high-risk merchants without charging an arm and a leg. 

Even if you’ve never dabbled with eCheck processing, depositing checks online is easy, secure, and straightforward. 

In this blog, we’ll discuss two of the most popular ways to deposit a check online. We’ll also discuss who should use electronic check deposit options and which services are best for you.

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Let’s dive in.

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Where you Can Deposit Checks Online: 2 Primary Options

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If you want to deposit a check online, you’ve got two main options: use your bank’s mobile app or sign up for a service like Seamless Chex. 

Here’s a quick breakdown of each method:

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The Choice for One-Time Deposits: Online Banking Apps

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Most banks offer a mobile deposit option within their apps. This mobile deposit feature allows individuals to deposit a check by taking a photo of the front and back. In addition to taking a photo, you’ll need to input check information and select a deposit account. 

While these mobile deposit services only allow you to deposit one check at a time (which means they’re not well-suited for businesses), they’re a convenient way to deposit paper checks electronically. 

After you deposit the check, you’ll see funds in your bank account within 3-5 days.

The Best Choice for High-Risk Businesses: Seamless Chex eCheck Service

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If you run a business, have a high volume of checks to process, or need next-day deposits, investing in eCheck services is your best bet. 

Here are a few features unique to Seamless Chex:

• Instant verification and same- or next-day funding
• Seamless Chex’s eCheck platform makes it easy to accept payments online, via payment link, or over the phone
• Access recurring billing and email invoicing options to streamline your operations
• Store customer payment methods
• And more

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Getting started with Seamless Chex is simple. Enjoy same-day signup and 99.1% approval rates!

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Who Should Use Online Check Deposits?

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Anyone who has a check to deposit can and should use online check deposit services. In addition to streamlining the payment process, eCheck deposits are safe, secure, and fast.

If you’re a business owner, we recommend using an eCheck deposit service designed for high-volume, high-ticket, and high-risk merchants. 

There are a few reasons for this: 

Using online check deposit services through your bank’s mobile app will be time-consuming and inconvenient. 

Additionally, it will take longer for you to get your funds this way.

For individuals with few checks to process, your bank’s mobile app is a fine option. While it’ll take about 3-5 days for you to get your funds, it’s an easy way to manage low-volume check deposits and handle your banking needs.

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Seamless Chex: The Smart Source for eCheck Processing Services

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If you’re looking for a way to deposit several checks a month, or a few dozen checks a week, Seamless Chex is here for you. 

Our convenient payment processing service provides instant verification of customer bank accounts and the ability to accept digital checks with next-day bank deposits.

In short: it’s the easiest, most convenient way for businesses to deposit checks online. 

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