Mobile check deposit is U.S. Bank Mobile App feature that lets you deposit checks into your checking or savings account digitally. And there's no fee; all you need is a smart mobile device with a camera.

Update: We’re always looking for ways to enhance our digital services and are in the process of refreshing our mobile check deposit process. This change is rolling out over the next several months.

Depending on where we’re at with the process, your experience may be different. If you find the current steps aren’t lining up with what you see, try the steps for the new experience.

To deposit a check using the U.S. Bank Mobile App (current experience)

1. Select Transfer & pay, then choose Deposit a check. 
2. Select the account you'd like to deposit funds into, then enter the check amount. 
   Note: For U.S. Treasury checks, use the toggle button to avoid impacting your daily and weekly deposit limits. 
3. Sign the check.
   • Turn the check over and clearly sign your name in the endorsement space.
   • Use black or blue ink for better visibility.
4. Select the Front of check camera icon and take a picture of the front of the check.
5. Select the Back of check camera icon and take a picture of the back of the check .
6. Optional: Add a personal note.
7. Review the details of your mobile deposit and select Deposit.  

To deposit a check using the U.S. Bank Mobile App (new experience)

1. Select Transfer & pay, then choose Deposit a check.
2. Choose the account you’d like to deposit funds into. We’ll tell you the maximum amount you can deposit today. Then, select Continue.
3. Sign the check.
   • Turn the check over and clearly sign your name in the endorsement space.
   • Use black or blue ink for better visibility.
4. Review our suggestions for taking a picture of your check. Then select Open camera.
5. Take a picture of the front of the check.
   • Select Retake photo if you want to take the picture again.
     OR
   • Choose Continue if you’re satisfied with the photo.
6. Take a picture of the back of the check.
   • Select Retake photo if you want to take the picture again.
     OR
   • Choose Review deposit if you’re satisfied with the photo.
7. We’ll suggest some items to review. Select Review deposit again when ready.
8. Optional: Add a personal note.
9. Check to see if everything’s correct, then select Deposit check.
10. Confirm once more by selecting Deposit check to complete the transaction.

More information

• We recommend retaining all checks for at least seven business days after the deposit is made.
• "Personal notes" are specific to your profile and can be referenced later by reviewing the deposit item in the U.S. Bank Mobile App. However, this information is not available for our bankers to review.
• Mobile check deposit is only available on the U.S. Bank Mobile App. This service is not available on our full website.
• Checks eligible for mobile check deposit include, but aren't limited to:
  • Personal, business and corporate checks.
  • Payable Through drafts.
  • Money orders and cashier's checks.
• Checks not eligible for mobile check deposit:
  • U.S. Savings bonds.
  • Third party and substitute checks.
  • Drafts drawn on foreign banks or in foreign currency.
  • Drafts with MICR* printing.
    Example: Convenience checks drawn off credit products such as home equity lines of credit and credit cards.

To learn more, visit our Mobile check deposit page. 

*MICR stands for Magnetic Ink Character Recognition. The numbers on the bottom of the check are printed with magnetic ink. This way machines can read them reliably, even if the check has marks or stamps on it.