How to Deposit a Check on Navy Federal App? A Step-by-Step Guide
As a Navy Federal credit union member, you’re likely accustomed to taking advantage of their convenient services, including mobile banking through the Navy Federal app. One of the most straightforward ways to deposit a check using the app is with Navy Federal’s mobile check deposit feature. In this article, we’ll provide a step-by-step guide on how to deposit a check on the Navy Federal app.
What are the Requirements?
Before depositing a check using the Navy Federal app, you’ll need to ensure that you meet the following requirements:
- Account requirements: You must have an active Navy Federal checking account with a balance of $0.00 or higher.
- Check specifications: The check must be payable to the account owner, and it must have the account number and Routing Number (ABA Transit Number) written in clear and legible handwriting.
How to Deposit a Check on Navy Federal App: A Step-by-Step Guide
To deposit a check using the Navy Federal app, follow these easy steps:
Contents
- Download the app: Go to the Apple App Store (for iOS devices) or Google Play Store (for Android devices) and download the Navy Federal app.
- Launch the app: After installation, launch the Navy Federal app and sign in using your credentials.
Step 2: Take a Clear Photo of the Check
- Frame the check: Place the check on a flat, contrasting surface with good lighting.
- Take the photo: Using your smartphone, take a clear and well-lit photo of the front side of the check. Ensure that:
- The entire check is visible: Include the check number, signature, and routing number on the photo.
- The photo is bright and clear: Avoid including shadows, creases, or other distortions.
- The background is clean: Remove any distractions or unwanted objects in the background.
Step 3: Enter Deposit Information
- Endorse the check: Before depositing the check, sign the back of the check with the words "For Mobile Deposit".
- Input deposit information: Tap "Deposit" from the app’s main screen and select "Endorsement Required".
- Enter amount: Enter the amount you’d like to deposit from the check. You can choose to deposit the full amount or split it across multiple accounts.
Step 4: Review and Submit the Deposit
- Review details: Check the deposit details, including the check amount, routing number, and account numbers.
- Submit deposit: Tap "Continue" to submit your deposit request. You will receive a confirmation message acknowledging the successful submission.
Important Notes
- Wait for the deposit: Your deposit may take some time to process, which is usually a few days. You will receive a confirmation email and a push notification once your deposit has been processed.
- Funds availability: Be aware that mobile deposit funds may be subject to your credit union’s hold periods. Check with Navy Federal for specific details.
- Error handling: If you encounter any errors during the deposit process, you will be notified by the app. You may need to resubmit the check or contact Navy Federal support for assistance.
Comparing Mobile Deposit to ATM Deposit
Here’s a comparison of the mobile deposit process with ATM deposit:
| Mobile Deposit | ATM Deposit | |
|---|---|---|
| Convenience | Deposit from anywhere with an internet connection | Go to an ATM location, typically within walking distance or nearby |
| Faster processing | Your deposit is usually processed quickly, often in a matter of minutes | Your deposit may take a few days to process, depending on the ATM location |
| Account types | Limited to online banking enrolled accounts | Generally available on all accounts with a Visa or Mastercard debit card |
| Check specs | Accepts both business and personal checks with an account number and Routing Number | Limited to some ATMs that accept certain types of checks |
By following these easy steps, you can easily deposit checks using the Navy Federal app. Remember to ensure the check meets the requirements and take a clear photo. If you have any questions or concerns, feel free to contact Navy Federal’s customer support.
