Depositing Checks with Cash App (Complete 2021 Guide)

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In recent months, Cash App has started to roll out the ability to deposit physical checks through its platform. However, this feature is currently only available for some Cash App users although that will likely change in the coming months.

Let’s take a look at everything you need to know about depositing checks using Cash App including how to do it and how you can tell if you have the functionality.


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Can You Deposit Checks Using Cash App?

As a general rule of thumb, you can deposit physical or paper checks using Cash App. However, as stated above, this feature is currently only available for some Cash App users though it’s safe to assume it will be available to everyone in the not-too-distant future.

It seems there is no rhyme or reason why some people have the ability to deposit checks with Cash App while others don’t. The only logical explanation is that Cash App is trying to work out any bugs before releasing it to the masses. Speaking to Cash App support won’t give you a clear explanation either so if you don’t have the functionality yet, the only thing you can probably do at this point is to wait.

I’ve seen some people who have reported online that if you upgrade your Cash App account to a business account that you’ll get the check depositing functionality but in my wife’s experience, that wasn’t the case. Always something you could try but don’t be surprised if it doesn’t work.

Assuming you’re one of the people who currently have the ability to deposit checks using Cash App (or if you want to know if you can or not), let’s take a look at exactly how to do it.

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How to Scan and Mobile Deposit a Check on Cash App (Step-By-Step)

To deposit a check using Cash App (or to tell if you have the check depositing functionality):

  1. Tap on your balance in the top left corner of Cash App.
  2. On the following screen, scroll down and tap on the the option to deposit a check. If you don’t have this option, it means your Cash App doesn’t yet have the check depositing functionality so you’ll be unable to deposit a check using Cash App.
  3. After tapping the deposit a check option, you will be prompted to enter a dollar amount of the deposit that you’d like to make. In this case, it would be the amount of the check you are depositing.
  4. Finally, when prompted take a photo of the front and back of the check just as you would with any other mobile check deposit. Make sure the check is endorsed and that you write “for deposit only” beneath your signature. (1)

Are There Fees for Depositing a Check with Cash App?

I reached out to Cash App customer service to ask this question as there wasn’t any good information that I could find online in regards to fees associated with mobile check deposits using Cash App.

As it turns out, Cash App does not charge any fees for mobile check deposits. (2)

Are There Limits for Depositing Checks with Cash App?

When it comes to depositing checks using Cash App, there are some limits for you to be aware of. You can mobile deposit up to $3,500 per check and up to 5 checks totaling $7,500 per month. Attempted check deposits that are declined count toward your five check limit for the month. (2)

How Long Does it Take for a Check Deposit to Clear with Cash App?

Mobile check deposits made using Cash App before 7 PM eastern Monday-Friday will typically be available in your Cash App account within 4 business days. (2)

What If You Have Problems Depositing a Physical Check Using Cash App?

Some users have reported the mobile check functionality is still fairly buggy. This is not surprising since Cash App hasn’t rolled out the functionality to everyone.

So what should you do if you have trouble making a mobile check deposit using your Cash App?

Like with any issue, the first thing you should do is contact Cash App customer support. The easiest way to do this is from within Cash App itself.

To contact Cash App support from within Cash App:

  1. Tap on your profile icon in the top right corner of Cash App.
  2. Scroll down and then tap on “Support”.
  3. You can try seaching for an answer to your question but since mobile check depositing is a new feature, it is unlikely you will find much help. Instead, scroll down and tap on “Chat with support”. Type out your question or issue that you are having and a Cash App representative will help you as soon as they can (though it may take several hours to get a response).

Wrapping Up

The mobile check deposit feature using Cash App is a new feature currently being rolled out to its users. Some people have access to it while others don’t yet. Some users who have access have reported the system is buggy so use caution for the time being until they are able to work out all the kinks.

There are no fees for using the mobile check deposit feature with Cash App though there are some limits to how much and how often you can deposit including a $3,500 per check limit and a 5 mobile check deposit limit per month.

Access to your funds will take around 4 business days when using mobile Cash App deposits which is a bit slower than some mobile banking platforms so keep that in mind when you are using the feature.

References

1. Cash App – https://cash.app/legal/us/en-us/mcctos

2. Cash App Support

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