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You’re already doing pretty much everything on your phone, whether it’s connecting with friends or colleagues or paying bills through your mobile banking app. But are you depositing checks by phone? If not, it’s time to start. Here are the 3 reasons we think everyone should be using mobile deposit.

1. Because your time is important.

The saying “time is money” is a cliché for a reason. Your time is valuable, and unless you need to talk to a banker about other financial concerns, you don’t want to waste your precious time getting to a bank branch or ATM. Depositing your check by phone is fast, and can be done almost anywhere – as long as you have cell service or Wi-Fi!

2. Because you don’t want overdraft fees.

Look, nobody likes fees. We want to help you avoid them at all costs. If you’re not able to get to the bank in the near future but you still have expenses coming up, like your rent or your monthly Netflix payment, now’s the time to mobile deposit any outstanding checks you have. That way you’ll have enough time to get funds into your account, and hopefully avoid any overdraft fees when it comes time to make your next payment.

Not sure if your balance is low? It’s time to set up mobile alerts!

3. Because you’re on the go.

Even if you’re out of town, that doesn’t mean your bank account is out of reach. Maybe you’re visiting family for the holidays and you got a check from your favorite aunt. Or, you’re attending a school far from home and somebody paid you by check. You don’t want to wait to get home to be able to access your cash! Even if you’re not in the same ZIP code as your bank, it doesn’t mean you have to put your life on hold. Use mobile deposit to get your funds, faster.

How long does mobile deposit take?

Depositing your check by phone takes only a few minutes. But, there is processing time involved, just like any deposit. If you’re banking with Santander, when you deposit a check before 10 pm on a business day, it counts as being deposited on that day. You’ll be able to access up to $200 of the amount you deposited the next business day, however you won’t be able to access the rest of the deposit amount until the check clears. This usually happens within two business days of the deposit.

How does mobile deposit work?

Essentially? Using mobile deposit is like having your check take a selfie. Point, click, confirm – you don’t even need to pick the perfect filter. Now that you know all the great benefits of depositing checks by phone, learn how to download the app and get started with Santander mobile check deposit.

To use the Santander Mobile Banking App, you must first accept the Online Banking Agreement. Data connection required. Message and data rates may apply.Mobile deposits are subject to limits and other restrictions. Refer to the Online Banking Agreement for details.
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