The basic steps to deposit a check through Truist's mobile app or website

Truist lets you deposit checks through its mobile app or online banking portal without visiting a branch. You photograph the front and back of the check using your phone or upload images from your computer, then submit them through the deposit feature. The bank processes the images and credits the funds to your account, usually within one business day.

This feature is called mobile check deposit or remote deposit capture. It works for personal checks, business checks, and cashier's checks, though some restrictions apply depending on the check amount and your account type.

Key Takeaways

  • You need the Truist mobile app or access to Truist Online Banking to deposit a check remotely; you cannot do it through the website alone on most devices.
  • Take clear photos of both the front and back of the check in good lighting, and make sure all text and numbers are readable before submitting.
  • Truist typically credits the funds within one business day, though the exact timing depends on when you submit the deposit and your account type.
  • After you submit a check deposit, you must not deposit the physical check elsewhere or cash it — doing so can result in overdraft fees or fraud holds on your account.
  • Daily and monthly deposit limits vary by account; business accounts and accounts with longer banking history often have higher limits than new personal accounts.

Using the Truist mobile app to deposit a check

Open the Truist mobile app and log in with your username and password. Tap the menu icon (usually three horizontal lines) and look for "Deposit a Check," "Mobile Deposit," or a similar option under the Transfers or Deposits section. The exact wording varies depending on your phone's operating system and the app version you have installed.

Select the account where you want the funds to go. Take a photo of the front of the check in good lighting — make sure the entire check is visible and all numbers and text are sharp and readable. The app will guide you to photograph the back of the check next. Review both images before submitting; if either is blurry or cut off, retake it.

Enter the check amount and any additional details the app requests, then submit. Truist will send you a confirmation, usually by email or through an in-app notification. The funds typically appear in your account within one business day, though weekend or holiday deposits may take longer.

Using Truist Online Banking on a computer

Log into Truist Online Banking through the Truist website. Look for a "Deposit" or "Transfer" menu option in the main navigation. Some Truist accounts support mobile check deposit through the online portal, but this feature is less common than the mobile app version — if you do not see a deposit option, the app is your best route.

If the option is available, you will be prompted to select your deposit account and upload images of the check front and back from your computer. The images must be in a standard format (JPG or PDF) and meet the same clarity requirements as app-based deposits: the entire check visible, all text readable, and no glare or shadows obscuring numbers.

What makes a check photo acceptable

Truist's system reads the check images automatically, so photo quality directly affects whether your deposit processes smoothly. Hold the check flat on a white or light-colored surface and photograph it straight on — angled or tilted photos often fail. Use natural light or a bright lamp; avoid shadows across the check.

Make sure the entire check fits in the frame, including all four corners. The check number, routing number, account number, amount box, and signature must all be clearly visible and in focus. If you wear glasses, remove them before photographing to avoid glare on the screen. If the first photo is blurry, delete it and retake it rather than submitting a poor image.

Deposit limits and timing

Truist sets daily and monthly limits on mobile check deposits. A typical personal checking account might have a daily limit of $2,500 and a monthly limit of $10,000, but these amounts vary based on your account type, how long you have banked with Truist, and your account history. Business accounts and premium accounts often have higher limits.

Funds usually post within one business day of submission. If you deposit a check on a Friday evening, expect the funds on Monday (assuming no holiday). Truist may place a temporary hold on the funds if the check amount is unusually large, if your account is new, or if the check appears suspicious — in those cases, you will receive notice of the hold and when the funds will be released.

What to do after you submit a check deposit

Once you have submitted the check through mobile deposit, do not deposit the physical check at an ATM, at a branch, or anywhere else. Do not attempt to cash it. Depositing the same check twice — even accidentally — triggers fraud alerts and can result in overdraft fees if the duplicate deposit causes your account to go negative.

Write "Deposited via mobile" on the back of the physical check and keep it in a safe place for at least 30 days. If Truist contacts you about the deposit or if there is a problem, you will have the check to reference. After 30 days, you can shred it or dispose of it.

Troubleshooting common deposit problems

If your deposit is rejected, Truist will notify you by email or through the app. Common reasons include blurry images, missing information on the check, the check amount exceeding your daily or monthly limit, or the check being post-dated (a future date written on it). Review the rejection notice and correct the problem — usually retaking clearer photos or waiting until the next day to resubmit if you have hit your daily limit.

If the funds do not appear within two business days, log into your account and check the deposit status. Truist's app typically shows whether a deposit is pending, processed, or rejected. If the status shows processed but the money is not in your account, contact Truist customer service through the app, by phone, or at a branch with your confirmation number.

Frequently Asked Questions

Can I deposit a check written to someone else?

No. The check must be made out to you or to you and another person whose name is on the account. If a check is written to someone else entirely, you cannot deposit it through mobile deposit or any other method without that person's endorsement and involvement.

What if the check is torn or damaged?

If the damage does not obscure any numbers, text, or the signature, you can try submitting it through mobile deposit. If the app rejects it or if Truist flags it as unreadable, you will need to take the physical check to a branch and deposit it in person or ask the check writer for a replacement check.

How long should I keep the physical check after depositing it?

Keep it for at least 30 days. After that, you can safely destroy it. If Truist has any questions about the deposit or if there is a dispute, you will have the check to reference during that window.

Will Truist charge me a fee for mobile check deposits?

Most Truist checking accounts do not charge a fee for mobile check deposits. Some specialty or premium accounts may have different policies, so check your account terms or contact Truist if you are unsure.

Can I deposit a check from another bank's ATM using Truist's app?

No. Mobile check deposit works only for checks you photograph and submit through Truist's app or online banking. ATM deposits are a separate feature and depend on whether the ATM is part of Truist's network and whether it accepts check deposits.