Can You Deposit an Emailed Picture of a Check: Know The Secrets


Career Consultant & Blog Writer

Published: July 19, 2023

Yes, you can deposit an emailed picture of a check. This process involves capturing clear images of the front and back of the check and submitting them to your bank through their designated banking app or online portal. However, it’s essential to ensure your bank supports this feature and follows its guidelines to ensure a successful and secure deposit process.

In this article, we will discuss clearly the topic ” Can you deposit an emailed picture of a check” and the details of depositing an emailed picture of a check, covering everything from the procedure to its benefits and potential risks.

Understanding Emailed Pictures of Checks

Depositing emailed pictures of checks involves taking a clear snapshot of both the front and back of a physical check and sending it to your bank via email. The bank’s mobile banking app typically handles this process, making it accessible to users with smartphones.

The Legality of Depositing Emailed Checks

The legality of depositing emailed checks largely depends on your bank’s policies and the regulations of your country or state. Many reputable banks have adopted this practice, considering it a safe and efficient way to process check deposits. However, it’s essential to confirm with your bank whether they accept emailed check deposits.

Best Steps to Deposit an Emailed Picture of a Check

Step #1: Check for Bank Approval

Ensure that your bank supports emailed check deposits. This information is usually available on their website or through their customer service.

Step #2: Verify Image Quality

Take a clear and well-lit picture of the front and back of the check. Ensure that all the details, including the endorsement, are visible.

Step #3: Endorse the check

On the back of the physical check, endorse it by signing your name and adding “For Mobile Deposit Only.”

Step #4: Access Mobile Banking App

Download your bank’s mobile banking app if you haven’t already. Log in to your account securely.

Step #5: Submit the Check Image

Locate the option for check deposits within the app and follow the instructions to upload the images of the check.

Step #6: Retain the Physical Check

After successfully submitting the emailed check deposit, store the physical check in a safe place for a reasonable period. Verify that the check has been processed and cleared before disposing of it securely.

Advantages and Disadvantages of Depositing Emailed Checks

Pros of Depositing Emailed Checks

  • Convenience: Deposit checks from anywhere using your smartphone.
  • Time-saving: Avoid trips to physical bank branches or ATMs.
  • Eco-friendly: Reduce paper waste by eliminating the need for physical check transportation.

Cons of Depositing Emailed Checks

  • Security Risks: Emailed checks may be vulnerable to interception or hacking.
  • Image Quality: Poor-quality check images may lead to deposit rejections or delays.
  • Bank Policies: Some banks may charge fees for emailed check deposits or limit their usage.

Tips for Depositing Emailed Checks Safely

  • Ensure the email containing the check image is encrypted and sent from a secure source.
  • Double-check the image quality to avoid processing issues.
  • Keep your smartphone and banking app updated to enhance security.
  • Regularly monitor your account for any discrepancies or unauthorized transactions.

Common Mistakes to Avoid

  • Depositing the same check twice, which can lead to overdrafts or legal issues.
  • Discarding the physical check immediately after depositing the emailed image.
  • Sharing the check image or your banking credentials with unauthorized individuals.

Alternatives to Depositing Emailed Checks

While emailed check deposits offer convenience, you can explore other options, such as:

  • Mobile Check Deposit: Use your bank’s mobile app to deposit physical checks directly.
  • ATM Deposits: Deposit checks at ATMs that accept check deposits.
  • In-Person Deposits: Visit your bank’s branch and deposit the check with a teller.

The Convenience of Emailed Check Deposits

Using emailed pictures to deposit checks offers a myriad of benefits, making it an attractive option for modern banking. Let’s explore some of the advantages:

#1. Time-Saving

With this method, you can deposit checks from anywhere and at any time, eliminating the need to visit a physical bank branch. This convenience is especially beneficial for those with busy schedules or limited mobility.

#2. Faster Clearing

Emailed check deposits are processed faster, meaning you can access the funds in your account sooner than traditional check deposits, which can take several business days to clear.

#3. Reduced Paper Usage

By eliminating the need for physical checks, the process significantly reduces paper usage, contributing positively to the environment.

#4. Safe and Secure

Contrary to common misconceptions, emailed check deposits are secure. Banks employ encryption and multi-factor authentication to safeguard sensitive information during the process.

Can You Trust Emailed Check Deposits?

While emailed check deposits offer numerous benefits, many individuals are hesitant due to security concerns. However, banks have taken significant measures to ensure the safety of this banking practice:

#1. Encryption

Banks use high-level encryption technology to protect the data transmitted during the email deposit process, making it extremely difficult for unauthorized access.

#2. Authentication

Multi-factor authentication adds an extra layer of security, ensuring that only the account holder can initiate the check deposit process.

#3. Monitoring

Banks continually monitor for any suspicious activities, and in case of any irregularities, they promptly inform the account holder and take necessary actions to protect their accounts.

Limitations and Considerations

While depositing an emailed picture of a check offers convenience, there are a few limitations and considerations to keep in mind:

  • Eligibility: Not all banks or financial institutions offer the option to deposit checks using digital images. It’s important to check with your bank to see if they support this feature.
  • Image quality: The image of the check must be clear, with all details, including the endorsement and MICR line, easily readable. Poor image quality may lead to deposit rejection.
  • Endorsement requirements: Some banks may have specific endorsement requirements for digitally deposited checks. Make sure to follow the guidelines provided by your bank.
  • Deposit limits: Banks often impose deposit limits for digitally deposited checks. These limits may vary depending on factors such as account history, customer relationship, and the bank’s policies.


In conclusion, the advent of digital banking has revolutionized the way we handle financial transactions, including check deposits. Depositing an emailed picture of a check is indeed possible and offers a host of benefits such as convenience, time-saving, and environmental friendliness. However, it is essential to verify whether your bank supports this feature and to follow their guidelines to ensure a smooth and secure deposit process.

Next time you receive a check through email, consider the option of digital deposit for a hassle-free and efficient banking experience.

FAQs With Answers About Can You Deposit an Emailed Picture of a Check

Q: Can you deposit an emailed check at a bank?

A: Yes, you can deposit an emailed check at a bank through digital check deposit methods. Many banks offer mobile apps or online banking portals that allow you to upload a clear image of the check and initiate the deposit process electronically.

Q: Can you deposit a photocopy of a check?

A: No, depositing a photocopy of a check is generally not allowed. Banks require the original physical check for processing and verification. Photocopies are not considered valid negotiable instruments, and attempting to deposit one may result in rejection and potential legal issues.

Q: How can I deposit a check emailed to me?

A: To deposit a check emailed to you, follow these steps:
Ensure your bank supports digital check deposits.
Capture clear images of the front and back of the original check.
Log in to your bank’s mobile app or online banking portal.
Navigate to the check deposit section.
Upload the digital images of the check as per the bank’s instructions.
Verify the details and submit the deposit request.
Wait for the bank to process the deposit, which may take a few business days.
Once the deposit is processed, the funds will be available in your account.

Q: Is it safe to deposit a check that a stranger emailed to me?

A: Depositing a check from a stranger carries a significant risk of fraud. Scammers may send fake checks or use stolen check information to trick individuals into depositing the check and sending a portion of the funds back to them. This is known as a check overpayment scam. It’s essential to exercise caution and verify the legitimacy of the check and the sender before attempting to deposit it. If you have any doubts, contact your bank and report any suspicious activity.