How To Deposit A Check Online Bank Of America?

Online banking has revolutionized the way we manage our finances, making it more convenient and accessible than ever before. One particular great feature that banks offer is the ability to deposit checks online without having to visit a branch or ATM. Bank of America, one of the largest banks in the United States, offers an intuitive and user-friendly platform that allows customers to easily deposit checks from the comfort of their own homes. In this guide, we will walk you through the steps on how to deposit a check online with Bank of America.

Understanding Online Check Deposits

Before we dive into the process of depositing a check online with Bank of America, let’s take a moment to understand how exactly this technology works. Online check deposits utilize Remote Deposit Capture (RDC) technology to electronically transmit an image of your physical check through your mobile device or computer directly to your bank using a secure connection. This eliminates the need for paper checks and speeds up the processing time.

With Bank of America’s online check deposit feature, also known as Mobile Check Deposit for those using their mobile devices, you can conveniently snap a photo of both sides, or use back camera only if appropriate, when prompted by the app, edit any necessary information, such as ensuring readability and accurate amount input, then submit it electronically for processing.

Now that we have a basic understanding, let’s jump right in and explore each step involved in successfully depositing a check online with Bank of America.

Step-by-Step Guide: How To Deposit A Check Online With Bank Of America

Step 1: Log In To Your Account

First things first! Make sure you have enrolled in online banking services with Bank of America. If you haven’t done so already, head over to their website and follow the registration process. Once enrolled,

  1. Visit Bank of America’s website and click on the “Sign In” button located at the top right corner of the page.
  2. Enter your online ID and passcode to log in to your account.

Step 2: Navigate To The “Deposit Checks” Section

Once logged in, you will be redirected to your account dashboard. Here, locate the section that is specifically designated for check deposits. In most cases, this can be found by navigating through a series of menu options or selecting an icon within the interface labeled as “Deposit Checks”.

Keep in mind that terminology may differ slightly across devices (such as desktop or mobile) as well as Bank of America’s ongoing user experience improvements.

Step 3: Capture Images Of The Check

Now comes the exciting part – capturing images of your check! Whether you are using a smartphone or computer, make sure you have a clear and well-lit area to work with. Follow these steps:

  1. Place your check on a contrasting background surface that makes it easier for the camera to detect its edges.
  2. Position yourself directly above the check while ensuring all corners are visible within the frame.
  3. Take photos/Documents without any distortion or blur so that they are legible.


A picture is worth a thousand words, but in this case, it’s worth more than just words; it’s worth actual dollars!

If you’re having trouble capturing quality images, consider following these tips to improve your success rate:

  • Ensure good lighting conditions
  • Lay checks flat on dark backgrounds
  • Avoid reflections and shadows
  • Tap-to-focus prior to taking pictures

Step 4: Review And Edit Check Details If Necessary

After taking clear photos of both sides of your check, take some time(if required) to review their accuracy and aggrandize them. Bank of America’s mobile deposit feature allows you to zoom in and out when reviewing the images, ensuring that all essential details are clearly visible.

Double-check :

  • The check amount (make sure it matches the written and numeric values on the check).
  • The payee name (to verify that it accurately reflects your intended recipient).

In instances where the bank’s software does not automatically detect any discrepancies or errors, make sure to manually edit or confirm with your utmost diligence. Accuracy is vital during this step, as erroneously entered information may lead to unwanted complications down the line.

Step 5: Select Your Account And Enter Deposit Amount

Now that you have reviewed and confirmed the accuracy of your photos, it’s time to select your preferred account for depositing the funds. Bank of America will typically display a list of eligible accounts for you to choose from based on your account privileges, such as checking or savings accounts.

Once you have chosen an appropriate account, input the accurate deposit amount clearly, double-checking against both photographic representations provided by Bank of America’s online platform (this goes without saying!) and ensure they match.


A successful online deposit requires attention to detail – don’t let any typos stand in between you and your well-deserved funds!

Step 6: Submit Your Deposit For Processing

You’ve made it this far! Now that everything is double-checked, verified, and looking shipshape, take a deep breath , then hit ‘submit’! Your check will now be electronically transmitted through secure channels directly to Bank of America for processing.

At this point, keep in mind:

  • Funds availability timelines may vary depending on a multitude(such fancy vocab)of factors such as prevailing banking regulations, any potential holds placed by Bank Of America compliance algorithms, day/time submitted, etc.
  • As part of the standard process, it is recommended that you retain the physical check, storing it in a safe location for at least 14 days or as advised by Bank of America.

Troubleshooting and Common Issues

Common Issues To Keep An Eye Out For:

As with any technological process, occasional hiccups may arise when depositing checks online. Be prepared for potential obstacles such as:

  1. Poor Image Quality: Blurry images may result in difficulties during verification, so make sure to follow best practices for capturing clear photos.
  2. Insufficient Endorsement: Ensure you have appropriately signed the back of your check, as this omission can lead to rejected deposits. The bank usually requires endorsement with your signature preceded by “For Deposit Only”.
  3. Incorrect Amount Entry: Be diligent while keying in the correct amount on : missteps might just cost you! Double-check to ensure consistency, accuracy, and compliance.

Troubleshooting Tips And Options:

While we cannot list every conceivable issue one could encounter when depositing a check online, , here are a few common troubleshooting tips that may help if you run into problems!

Potential solution options include:

Customer Service Assistance

If all else fails and none of the suggested solutions resolve your issue, do not hesitate reach out to Bank of America’s reliable customer service team for further assistance. They are there to guide and support their customers through any banking-related queries or hurdles they might face

  • By phone
  • Via secure message within online banking
  • In-person at your local branch(if suitable)]


Banking technology continuously evolves, offering greater convenience and efficiency than ever before. As these systems advance, banks expect customers to familiarize themselves with updated functionalities. Embrace change; it’s an opportunity in disguise!

With Bank of America’s convenient online check deposit feature, you can skip the long queues at the branches without compromising on efficiency and security. Now go forth, seize the opportunity, and deposit your checks online with ease.

Depositing a check online with Bank of America is as simple as a few clicks, snaps, and taps! With remote deposit capture technology, it has never been easier to manage your finances from the comfort of your own home. Just remember to double-check all details before submitting for processing. Keep in mind that specific terms or steps may vary slightly across platforms/devices. If you encounter any difficulties along the way, don’t hesitate to seek assistance from Bank of America’s knowledgeable customer service team.

So why wait? Embrace digital banking technology now and enjoy the convenience of depositing checks online through Bank of America!

Frequently Asked Questions – How To Deposit A Check Online Bank Of America?

Q: Can I deposit a check online with Bank of America?
A: Yes, Bank of America provides the option to deposit checks online through their mobile banking app or website.

Q: How do I deposit a check using Bank of America’s mobile app?
A: To deposit a check using the Bank of America mobile app, open the app and sign in to your account. Tap on the “Deposit” section and follow the instructions to take photos of the front and back of the endorsed check. Once done, submit it for processing.

Q: Is there a specific format for endorsing a check when depositing it online with Bank of America?
A: Yes, before taking photos to deposit a check through Bank of America’s mobile app, endorse it by signing your name on the designated line on the back. Additionally, you may also need to write “For Mobile Deposit Only” underneath your signature.

Q: Are there any limits on how much I can deposit through online banking at Bank of America?
A: Yes, Bank of America has certain limits regarding deposits made through their online banking services. The exact limit varies depending on multiple factors like your account type and relationship with the bank. It is best to review your specific account terms or contact customer support for more information about these limits.

Q: How long does it usually take for an online deposited check to clear at Bank o fAmerica?
A: The time required for an online-deposited check to clear depends on various factors such as the amount deposited, source institution verification, and overall transaction volume. Generally speaking, most checks should clear within 1-2 business days. However, larger amounts may have longer hold times for regulatory purposes.

Q: What happens if there is an issue with my remotely deposited check at Bank of America?
A: In case there is an issue with the remotely deposited check, Bank of America may notify you via email or mail. If any problems occur, such as illegible images or missing information, they will provide guidance on how to resolve the matter.

Q: Can I deposit a foreign currency check through Bank of America’s online banking system?
A: Yes, you can deposit foreign currency checks through Bank of America’s online banking system. However, be aware that additional fees and processing times may apply when dealing with foreign currencies. It is advisable to contact customer support for precise details regarding your specific situation.

Q: Is it safe and secure to deposit checks online using Bank of America’s services?
A: Yes, Bank of America prioritizes strong security measures to protect its customers’ sensitive information while offering online check deposits. They employ encryption technology during transmission and have robust privacy protocols in place to safeguard your data.

Note: Information provided above is subject to change without notice. For up-to-date instructions and guidelines related to depositing checks online with Bank of America, refer to their official website or contact their customer support.