With Stash, you can deposit a check when you need to simply by taking a picture of your check. Mobile check deposit is available to Stash banking customers who have completed the qualifying steps described below. 

 Click below to skip ahead:

• Qualifying for Mobile Check Deposit
• How to deposit a check to your account
• How do I take a good picture of my check?
• Mobile deposit FAQs
• What is/is not accepted for mobile deposit
• Mobile deposit limits

 

 

Qualifying for Mobile Check Deposit 

To qualify for the option for mobile check deposit:

Note: If you have a Stash Stock-Back® Debit Mastercard®¹, great news—you’re already qualified for mobile check deposit! To see if you have a Stash Stock-Back® Debit Mastercard® with us, log into the app, tap Bank at the bottom of the screen, and look at your card image. 

If you are a Stash Stock-Back® Debit Visa®* holder, keep reading for the mobile deposit eligibility criteria.

1. Set up direct deposit.

• We want to make sure you have an active banking account. In order to use mobile check deposit, you must have had at least three payroll deposits.

2. Activate your Stock-Back^Ⓡ Card.¹

• In order to use mobile check deposit, you’ll have to activate your Stock-Back^Ⓡ Card. After you receive your card in the mail, go to your Banking account on the app and tap the Activate card button.

3. Verify your identity.

• We want to make sure you’re actually you to help keep your money and accounts safe! You can quickly verify your identity on the app the first time you try to deposit a check.

4. Verify your phone number.

• This is another security measure that helps keep your money and accounts safe. The first time you try to deposit a check, we’ll text you a verification code to verify your phone number.

5. Accept the terms for mobile check deposit.

• Review our terms, then tap the Accept Terms and Conditions button to finish setting up mobile deposit. 

 

 

How to deposit a check to your account 

Follow these steps to deposit a check:

1. Sign the back of your check and write “For Mobile Deposit at Stash Only”.
2. Log into the Stash app.
3. Tap Bank at the bottom of the screen. 
4. Tap the gear icon in the upper-right corner. 
5. Tap Move Money in the Move Money section.
6. Tap Deposit a Check.
7. Enter the check amount and tap Continue.
8. Allow access to your camera.
9. Take pictures of the front and back of the check. You do not need to press a button to take the picture—once the check is aligned, the picture will automatically be taken (see our tips to take a good photo below). 
10. Tap Submit Check. 

Limits apply (see our limits here). Please read the Deposit Account Agreement for additional information.

 

 

How do I take a good picture of my check? 

Here are some tips:

• Place your check on a flat surface with a dark background and good lighting.
• Make sure all four corners of the check are in view.
• Hold your phone steady and tap on the screen to focus. The camera will automatically take the picture once these conditions are met.

Note: Some phones automatically store photos. For security reasons, please make sure photos of your check aren’t saved to your phone or online storage.

 

 

Mobile Deposit FAQs

How much does it cost to deposit a check?

There’s no additional fee to deposit checks to your account.

Can I cancel a pending check deposit?

No. You can’t cancel once you submit a picture of the check for deposit.

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

Keep your check in a safe place for 30 days before destroying it, in case it’s needed for verification purposes. And keep in mind—once you deposit a check with us, you can’t cash or deposit it anywhere else.

Do I need to sign the back of my check?

Yes. Sign your name on the back of the check followed by For mobile deposit only clearly in blue or black ink, or it will not be accepted. Please also make sure your signature is a reasonable size.

How fast will money be in my account?

Money could be in your account as soon as one business day, but some deposits may take up to five business days.

How will I know when money is in my account?

We’ll notify you via email when the funds are in your account. You can also log into the app at any time and view your transaction history (check out this article to see how you can view your transaction history).

 

 

What is/is not Accepted for Mobile Check Deposit

Here are some guidelines on what can and can’t be deposited with Stash mobile check deposit: 

Note: All checks must be in USD.

Accepted:

• Personal checks written to you
• Commercial pre-printed 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

 

Not Accepted: 

• 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.
  • Not dated, post-dated, or more than 90 days old
  • Irregular in any way (for example, where the numerical and written amounts are different)
  • Previously cashed or deposited (either in paper form or electronically) or returned unpaid for any reason
  • Suspected to be fraudulent, forged, altered or not properly authorized
  • Missing the person’s signature who wrote you the check
  • Exceeding the deposit limits set for mobile check deposits
• Registered government warrants
• Demand drafts

 

 

Mobile Deposit Limits

Description	Limit
Per check limit	$2,500
Daily dollar limit	$10,000
Daily check limit	10 checks per day
Monthly dollar limit	$50,000
Monthly check limit	25 checks

Note: Checks must be at least $1. You can’t deposit more than your account balance limit.

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DISCLOSURE

¹ All rewards earned through use of the Stash Visa Debit card (Stock-Back® Card) will be fulfilled by Stash Investments LLC. Rewards will go to your Stash personal investment account, which is not FDIC insured. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. Stash Stock-Back® Rewards is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates.

Access to this feature is subject to check deposit terms and conditions, and can change at Stash’s discretion. Enrollment qualifications and limits may apply.