How To Cash Check On Bank Of America App

In today’s fast-paced world, convenience is paramount, and the ability to complete financial transactions on the go has become increasingly important. With the Bank of America mobile app, you can now cash checks hassle-free without having to visit a physical branch. In this article, we will guide you through the simple steps to cash a check using the Bank of America app, ensuring a smooth and secure experience.

Step 1: Download and Install the Bank of America App

If you haven’t already, start by downloading the Bank of America mobile app from your device’s app store. Whether you have an iOS or Android device, the app is readily available for free download. Once installed, log in using your existing Bank of America online banking credentials or create a new account if you’re a first-time user.

Step 2: Link Your Bank Account

Before you can cash a check using the app, ensure that your Bank of America checking or savings account is linked to the app. If it’s not already linked, follow the on-screen instructions to add your account securely.

Step 3: Endorse the Check

Flip over the check and endorse it before proceeding. Sign the back of the check exactly as it is printed on the front. Additionally, some checks may require a specific endorsement phrase, such as “For Mobile Deposit Only to Bank of America.” Make sure to include this phrase if needed.

Step 4: Access the Mobile Check Deposit Feature

Open the Bank of America app and log in. Once you’re logged in, locate the “Mobile Check Deposit” option, usually found within the “Deposits” or “Move Money” section of the app.

Step 5: Capture Images of the Check

The app will prompt you to capture images of the front and back of the endorsed check. Lay the check on a flat, well-lit surface, and ensure that all four corners are visible within the frame. Follow the on-screen instructions to take clear, focused photos of both sides of the check.

Step 6: Enter Check Details

After capturing the images, the app will ask you to enter specific details from the check, such as the check amount and the account you wish to deposit the funds into. Double-check the information for accuracy before proceeding.

Step 7: Review and Confirm

Before submitting, review all the information you provided for accuracy. Once you’re satisfied, confirm the deposit. The app will display a confirmation message, and you’ll receive a deposit receipt for your records.

Step 8: Retain the Paper Check

Even though you’ve digitally deposited the check, it’s essential to hold onto the paper check for a while (at least 15 days) in case any issues arise during the processing of the deposit. After the holding period, you can safely shred and dispose of the check.


Cashing a check using the Bank of America mobile app is a simple and convenient process. By following these easy steps, you can save time and effort by avoiding trips to a physical branch. Remember, always endorse the check correctly, capture clear images, and review the deposit details before confirming. Embrace the power of modern banking technology and enjoy the seamless experience of mobile check deposits with Bank of America.