How to Cash Deposit a Paper Check on Cash App (Quick & Easy)

Are you looking for an easy way to deposit your paper checks? If so, then you may be wondering how to cash deposit a paper check on Cash App, one of the most popular payment apps.

This blog post will show you how to do just that using the Cash App check cashing feature! So, whether you are a new or experienced user of Cash App, keep reading for helpful tips.

Can You Deposit A Check On The Cash App?

Yes, you can put cash, checks, Cash App and money order, or any of these kinds of money into your cash card, in general.

You could also make a transfer into either your card for cash or Cash App by transferring it electronically.

You will have to go to your settings and select the ” Funds ” tab and then connect your bank account and make an instant money transfer from the bank directly to the Cash Application.

Once it’s on the Cash Application, you’ll be able to apply it to your cash card or in your Cash App.

You can also connect to a credit card and take money through your credit/debit card into the Cash App account. Then, after it’s been added to your Cash App, you can either transfer it via the Cash App to transfer it to someone else or apply it to the cash card.

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

The mobile check deposit feature is fantastic. To deposit a check with the Cash App (or to determine that you are using the capability of depositing checks):

  • Click on balance in the upper left corner of the Cash App.
  • On the next screen, scroll down and select the option to deposit the check. If you don’t see this option, it’s because the Cash App does not yet support check to deposit feature, so you’ll not be able to deposit checks using Cash App.
  • When you tap the deposit option, you’ll be asked to enter the dollar amount for the deposit you’d like to deposit. It will be that amount on the cheque you’re depositing in this instance.
  • When you are asked, you need to photograph the back and front of the cheque exactly as you do with any other check deposit made via mobile. Ensure that the bank signs the check and that you mark “for deposit only” beneath your signature.

How To Deposit A Check On The Cash App?

Cash App is a mobile payment service that allows you to make payments and deposits using your smartphone and get the cash deposited to your Cash App wallet.

Here’s how to deposit a check using Cash App:

  1. Open the Cash App and tap the “Deposits” tab.
  2. Tap the “+” button in the upper-right corner of the screen.
  3. Enter the amount of your check and tap “Next.”
  4. Take a picture of the front and back of your check. Make sure all four corners of the check are in the frame and that all information: MICR data on the bottom of the check front; check date; the person’s name must be you; check writer’s signature is legible.
  5. Review your deposit information and tap “Submit.”

After Cash App receives your transmission, they will review each submitted Electronic Check. Your deposit will be processed within 24 hours.

How To Cash A Check On Cash App?

To cash a check on Cash App, you’ll need the following information:

  • The name of the person or company that issued the check
  • The amount of the check
  • Your Cash App routing number and account number

Once you have that information, follow these steps:

  1. Open the Cash App and tap “Check.”
  2. Enter all of the information about the check.
  3. Tap “Next” and then “Cash Out.”
  4. Confirm that you’d like to cash out the check by tapping “Yes, I’m Sure.”
  5. Once your funds are deposited, they’ll be available in your Cash App balance.

Eligibility Requirements Of Cash App Electronic Check

Here are the guidelines for your paper checks for Cash App Mobile Check Capture:

  • The check is written according to your instructions or in conjunction with another person.
  • The check should be within your reach.
  • It should be able to be drawn upon or paid by an institution like a credit union, bank, or in the U.S.
  • The check must be paid in dollars in the U.S.
  • The check has to be authenticated by its maker.
  • The check’s amount is exactly the same as or lower than the maximum amount for a check that Square has set for you to use Mobile Check Capture.
  • The check should not have been changed since the date it was issued.

How Long Does Money From An Electronic Check Take To Credit Your Cash App Balance?

The funds taken from checks issued from the U.S. Treasury check will be issued within the initial business day following submission of the Electronic Check using Mobile Check Capture when the eligibility requirements and criteria are satisfied.

However, checks generally have a hold time between 1 to 15 days.

Be aware that the delay is calculated as business days starting from the day following the submission of your Electronic Check successfully.

Thus, every day is a workday except Sundays, Saturdays, and all federal holidays. For example, if you submit your Electronic Check before 4:45 p.m. Pacific Time on an official business day Your Electronic Check is treated to have been successfully submitted at the time of that day.

If you submit your Electronic Check within the hours of 4 pm Pacific Time on not a working day, it will be deemed to be an Electronic Check was made on the day following the day of business.

Cash App Check Cashing Warranties

Take note that your electronic check that includes Mobile Check Capture should be able to demonstrate as a warrant for the following

  • The electronic check must be a Check that is eligible to be used.
  • Before you submit to the department, you should examine the images of your check to ensure that they are in line with the original check on paper;
  • Electronic Checks must be legible. Electronic Check must be legible and accurate, for example, MICR data at the lower part of the front of the cheque and check date; the name of the person’s signature that signed the check must be yours; and the writer’s signature.

Limits to Depositing Cash Apps For Checks

If you are looking to deposit cash via the Cash App, you should know about a few restrictions. Mobile deposit is available up to $3500 per check and up to five checks that total $7,500 for the month. Check deposits that are not accepted count towards your limit of five checks per month.

Fees For Depositing An Applicable Check Using Cash

I contacted Cash App customer service to inquire about this issue since there was no reliable online information concerning the charges associated with mobile check deposits using Cash App.

It appears the Cash App does not charge charges for mobile check deposits.

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

Some users have expressed concern that the mobile check feature isn’t working properly. This isn’t surprising as Cash App hasn’t rolled out the feature for everyone.

So, what do you do if you are having difficulties making a mobile check payment using the Cash App?

Similar to any other issue, the first step is reaching out to Cash App customer support. The easiest method to reach them is via inside Cash App itself.

Contact Cash App support directly from Cash App:

  1. Click on the icon for your profile at the top right corner of the Cash App.
  2. Scroll down and tap “Support”.
  3. You could try searching for the answer to your question; however, since the mobile deposit feature is a brand new feature, likely, you won’t find any assistance. 
  4. Instead, you can scroll down and click on “Chat with support”. Enter your query or problem you’re experiencing, and the Cash App representative will assist you as quickly as they are able to (though it could take several hours to receive a response).

In Closing:

The Cash App direct deposit check feature is exactly the same as writing a check.

You must have an eligible bank account, and you can deposit up to $3500 worth of checks per day and five checks that total at least $7500 within the month.

Cash App charges no fees for using this service, but there are limits on how much you can deposit, just like with other check cashing services.

If you have difficulty using the Cash App to deposit checks, don’t worry since you can contact their customer service team directly via chat.

According to Cash’s website, the Cash App is an ever-expanding app, so more features should be coming in. We’ll keep you updated!

Hey Cash App users, If you are interested in Cash App, you can read our article “Cash App Business Account Fees & Limits – Cash App for Business Payments” by clicking here.

Thank you for reading How to Cash Deposit a Paper Check on Cash App (Quick & Easy), please browse our other Banking articles, including Cash App Borrow, which may also interest you.

James Allen is a Certified Financial Education Instructor (CFEI), financial advisor, and Certified Public Accountant (CPA). He created BillPin to give people the financial tools they need to make more informed financial decisions. After listening to his mother tell stories about her frugal upbringing and his own experiences working as a financial advisor for almost two decades, James is on a mission to help people change their relationship with money.

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