To mobile deposit a check on Cash App, open the app and tap the "Money" tab on your home screen, then select "Deposit Check." Follow the prompts to take clear pictures of the front and back of your check and submit the deposit.
How to mobile deposit a check on Cash App
- You will need to link your bank account to your Cash App before using mobile deposit.
- Cash App may require you to verify your identity before using the mobile deposit feature, which can involve submitting a photo of a valid ID.
- Open Cash App and tap the Money tab on your home screen.
- Select Deposit Check from the options that appear.
- Place the check on a contrasting background to enhance visibility and clarity when taking photos.
- Take a clear photo of the front of your check, ensuring all corners and details are visible.
- Flip the check over and take a clear photo of the back.
- You should review the check details (payee name, amount, date) for accuracy before submitting the deposit.
- Follow any additional prompts within the app to complete the deposit.
This process lets you deposit checks from anywhere using your smartphone, saving you a trip to the bank. If you also want to know how to pay with Cash App on phone, the same app lets you send money instantly at checkout by scanning a merchant's QR code.
How to properly endorse your check
Cash App requires specific endorsements for mobile check deposits. Sign your name on the back of the check in blue or black ink, then write "Cash App Deposit" directly beneath your signature. Do not use any other color ink or omit the phrase, as this can cause the deposit to be rejected.
Accepted and unaccepted check types
Checks Cash App accepts
- Paychecks
- Personal checks
- Cashier's checks
- Government-issued checks (federal stimulus, unemployment, tax refunds, Social Security)
Checks Cash App does not accept
- Savings bonds
- Money orders
- Credit advancement checks
- Checks written from your own personal bank account
Cash App mobile deposit limits and fees
Cash App does not charge any fees for using the mobile check deposit feature. The check must be under 180 days old to be eligible. You can deposit up to 5 checks per 30 days, with a maximum of $3,500 per single check and a total limit of $7,500 per 30-day period.
When will my money be available?
Funds from a mobile check deposit are generally available within up to 6 business days, though many deposits are funded sooner. In limited cases, it may take up to 8 business days. After depositing, keep the physical check in a safe place for at least 14 days in case you need to reference it or if Cash App requires verification.
Frequently Asked Questions
Can I deposit a check if I don't see the "Deposit Check" option?
Not all Cash App accounts are eligible for mobile check deposit. If the option is missing, your account may not yet have the feature enabled. Cash App rolls out this feature gradually to eligible customers.
What should I do if my check deposit is rejected?
Common reasons include blurry photos, improper endorsement, or a check type Cash App does not accept. Retake the photos ensuring good lighting and flat positioning, verify your endorsement matches the requirements, and confirm the check is under 180 days old. If you identify discrepancies in the check information, you should contact the check issuer or your bank before proceeding.
Will federal payments still come as paper checks after September 2025?
Starting September 30, 2025, most federal payments will transition from paper checks to electronic deposits. If you currently receive government checks, consider setting up direct deposit to avoid disruption.
Can I deposit a check made out to someone else?
No. Cash App only accepts checks made payable to you. The name on the check must match the name on your Cash App account.
What happens if I lose the physical check after depositing it?
Cash App requires you to keep the physical check for 14 days after deposit. If you lose it before that period ends, contact Cash App support immediately. Without the original check, you may not be able to resolve any processing issues.
For the wider topic, see pay with Cash App on phone.
