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Check Deposit FAQ

Review answers to commonly asked questions about using check deposits.

How do I deposit a check from my Square Point of Sale app?

Check deposits
If you have a Square Checking account, you can make check deposits, and add money to your checking account right from your Point of Sale app. To do so:

  1. Update to the latest version of the Point of Sale app and go to Balance.
  2. Select Add Money.
  3. Select Mobile Check Deposit.
  4. Enter the amount of the check.
  5. Endorse the back of your check, and write “For Square mobile deposit only” below your signature.
  6. Take a picture of the front and back of the check using a dark background, and click Submit.
  7. Keep your check in a safe place for two weeks before discarding it.

Note: Once a mobile check deposit is initiated, it cannot be canceled or reversed.

When will my check deposit be available?

Check deposits are typically available within one to six business days.

Is there a limit to how much money I can deposit using checks?

Yes. You will see your limits listed within your Square app before you deposit a check.

Are there any fees for using mobile check deposits?

No. You won’t incur any fees when you use mobile check deposits.

Can I deposit checks without a Square Checking account?

Currently, you can only deposit checks if you have a Square Checking account.

What name should checks be made out to?

They should be made out to the recipient’s full legal name listed on their Square account or to the business name.

What are some common troubleshooting steps?

Your mobile check deposits can fail and be returned if either Square or our bank partners determine that the check is ineligible. Returns are commonly due to problems on the issuing bank side, such as insufficient funds or account closures, but here are a few tips you to help you avoid submission errors when using Square Point of Sale:

  • Endorse your check using black or blue ink only. You are required to endorse your check to submit it, and checks are often rejected for using ineligible ink colors.
    Write “for Square Mobile Check Deposit only” beneath your endorsement. Adding this protects against fraud and duplicate check submissions.
  • Make sure to use a dark background color. Check images are easier to recognize and process with a dark background.
  • When taking a picture of your check, use good lighting, place the check flat on a dark background, and make sure all four corners of the check are visible.
  • If you’re still having trouble depositing your check, try updating your app to the latest version.