Mobile check deposit

Can I deposit a check with ONE?

ONE offers Mobile check deposit to customers with at least $500 in eligible direct deposits per month.

What are the check deposit limits?

Direct Deposit status
(less than 3 consecutive calendar months)
Direct Deposit status
(3 or more consecutive calendar months)
  • Daily total and per check: $500
  • Weekly: $1,000 (rolling 7-day period)
  • Monthly: $2,000 (rolling 30-day period)
  • Daily total and per check: $2,000
  • Weekly: $5,000 (rolling 7-day period)
  • Monthly: $10,000 (rolling 30-day period)

How can I access Mobile check deposit?

All Direct Deposit Customers are eligible for Mobile check deposit. If eligible, Mobile check deposit will automatically be turned on for your account. 

To deposit a check:

  • Endorse (sign) the back of the check
  • Sign in to the ONE app 
  • Tap on Add Money
  • Select Deposit checks
  • Enter the amount of the check
  • Tap on Deposit To if you would like to choose another pocket to deposit the check to 
  • Tap on the Front image and Back image and follow the instructions to take pictures of the check you are depositing
    • If you have trouble taking pictures of the check that are accepted by the app, try the following:
      • Center the check on a solid dark surface
      • Make sure you have plenty of light
      • Make sure the entirety of  the check is pictured within the frame on the screen
  • Tap Submit

You may be taken to a screen with information describing potential issues with your check. If you feel your check is properly written, endorsed, and is an approved check type you may submit as is. Otherwise, please return to the previous screen and correct any errors.

How does the Mobile check deposit process work?

  • Submit a check for deposit using the steps outlined in the section above.
  • You’ll receive a confirmation email immediately that we received your check. 
  • Once your check is submitted you’ll be able to view it in the ONE app as a pending deposit. By tapping into the detail screen, you can view the status of your check review.
  • Shortly after your check is approved, the ONE app will display the date your funds will be available for you to use. Funds availability may take up to 4 business days after approval. 

How do I check the status of a check I deposited?

If you have submitted a check using the mobile app, you will be able to check the status by following these steps:

  • Sign in to your ONE account
  • Navigate to the pocket or tab where the check was deposited
  • Select the check deposit transaction from your activity to view the status of the check
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