Mobile check deposit works through the Truist mobile app on your phone
Truist's mobile check deposit feature lets you photograph the front and back of a check using your phone camera, then submit it through the Truist mobile app without visiting a branch. The bank processes the image and deposits the funds into your account. You need the Truist mobile app installed, your account login, and a check made out to you.
The process takes a few minutes to complete. Truist typically makes funds from mobile check deposits available within one business day, though the exact timing depends on when you submit the deposit and your account type. You can deposit checks 24 hours a day, seven days a week through the app.
Key Takeaways
- read the Truist mobile app, log in with your username and password, and navigate to the deposit or mobile check deposit section to start.
- Photograph both the front and back of the check clearly, making sure all four corners are visible and the image is in focus.
- Enter the deposit amount and select which account to deposit into, then review the details before submitting.
- Truist typically makes deposited funds available within one business day, though some accounts or check amounts may take longer.
- After submitting a mobile deposit, do not deposit the same check again at an ATM or branch, as this can result in duplicate charges to your account.
Step-by-step process for submitting a check through the app
Open the Truist mobile app and sign in with your username and password. Once logged in, look for a menu option labeled "Deposit," "Mobile Deposit," or "Deposits" — the exact wording varies slightly depending on your phone's operating system and app version. Tap that option to begin.
Select the account you want to deposit the check into from the list of your Truist accounts. Then tap the button to take a photo or upload an image. Position the check so that all four corners are visible in the frame, and make sure the lighting is bright enough that the text and numbers are clear and readable. Take a photo of the front of the check first.
After photographing the front, the app will prompt you to photograph the back of the check. The back usually has an endorsement area (a blank line where you sign). Sign the back of the check before taking the photo, or sign it after if the app instructs you to do so — Truist's requirements vary slightly. Photograph the back so all four corners are visible, just as you did with the front.
Once both images are captured, the app will display them for your review. Check that both images are clear, in focus, and show the entire check. If either image is blurry or cut off, retake it. Enter the check amount in the field provided — the app may auto-detect this from the image, but verify it matches the actual check amount. Select the account to deposit into and review all details before tapping "Submit" or "Confirm Deposit."
What happens after you submit the deposit
Once you submit the mobile check deposit, Truist sends you a confirmation message with a reference number. Save this number in case you need to contact Truist about the deposit later. The confirmation also shows the amount deposited and the account it was sent to.
Truist processes mobile check deposits during business hours and typically makes the funds available within one business day. Some checks may take longer — for example, checks over a certain amount, checks from accounts outside the United States, or checks from new accounts sometimes require additional review. You can check the status of your deposit by opening the app and looking at your recent transactions or deposit history.
Image quality requirements and common mistakes
The most common reason a mobile check deposit is rejected is poor image quality. The check images must be in color, in focus, and show all four corners of the check. The text must be readable — if you cannot read the numbers and words clearly on your phone screen, Truist's system likely cannot either. Avoid shadows, glare from windows or overhead lights, and angles that tilt or distort the check.
Make sure the check is not bent, torn, or damaged in a way that obscures any information. The signature line, routing number, account number, and check amount must all be visible and legible. If you take a photo and the app shows a warning that the image quality is poor, retake the photo rather than submitting it — a rejected deposit wastes time and may delay your access to the funds.
Another common error is depositing the same check twice. After you submit a mobile deposit, do not take the check to an ATM, a branch, or deposit it again through the app. Depositing the same check more than once can result in duplicate charges to your account and may trigger fraud alerts. Keep the physical check for at least 10 days after the deposit clears, then destroy it by shredding or tearing it up.
Deposit limits and account restrictions
Truist sets daily and monthly limits on mobile check deposits. These limits vary depending on your account type and how long you have held the account. New accounts typically have lower limits than established accounts. You can view your specific limits by opening the Truist mobile app and navigating to the deposit section — the app displays your remaining deposit limit before you submit.
Some business accounts, accounts with recent fraud activity, or accounts flagged for other reasons may have mobile deposit disabled temporarily. If you cannot find the deposit option in your app, contact Truist customer service to ask whether mobile deposit is available on your account. Truist's customer service phone number is on the back of your debit card and on the Truist website.
Troubleshooting when the app will not accept your images
If the app rejects your check images, the most likely cause is image quality. Make sure you are photographing in good lighting — natural daylight or bright indoor lighting works best. Hold the phone steady and parallel to the check so the image is not tilted or distorted. Zoom in slightly if needed, but make sure all four corners of the check remain visible in the frame.
If the app says the check amount does not match or the routing number is unreadable, retake the photos and make sure the numbers are sharp and clear. If you are still having trouble after several attempts, try using a different phone or device if you have one available. If the problem persists, contact Truist customer service — they can help you troubleshoot or deposit the check through another method.
Occasionally the app itself may have a technical issue. If you see an error message when trying to submit, try closing the app completely and reopening it. If that does not work, try again in a few minutes — temporary server issues sometimes resolve on their own. If the problem continues, contact Truist support.
Frequently Asked Questions
How long does it take for a mobile check deposit to show up in my account?
Truist typically makes funds from mobile check deposits available within one business day. Some checks may take longer depending on the amount, the check's origin, or your account type. You can check the status in the app by viewing your recent transactions.
Can I deposit a check that is made out to someone else?
No. The check must be made out to you or to you and another person whose name is also on the account. If the check is made out to someone else, you cannot deposit it through mobile deposit or any other method without that person's involvement.
What should I do with the physical check after I deposit it?
Keep the physical check for at least 10 days after the deposit clears to your account. Do not deposit it again or take it to a branch or ATM. After 10 days, shred or tear up the check to destroy it. Do not throw it away intact, as it contains sensitive banking information.
Is there a fee for mobile check deposit?
Truist does not charge a fee for mobile check deposits on most account types. However, some specialized accounts may have different fee structures. Check your account agreement or contact Truist customer service to confirm whether your specific account type has any fees.
What if the app says my deposit limit has been reached?
You have reached your daily or monthly mobile deposit limit. You can deposit the check at an ATM, at a Truist branch, or wait until your limit resets the next day or month. Contact Truist customer service if you want to request a higher limit on your account.