Mobile Check Deposit Frequently Asked Questions


Questions & Answers

What type of device can I use to make a deposit?

  • An iPhone or iPod touch that has an operating system of iOS 11 or more recent
  • An iPad that has an operating system of iOS 11 or more recent
  • An Android smartphone that has an operating system (OS) of 6 or more recent

Can I deposit a check into any of my Merrill accounts?

You can use a mobile device to deposit checks into any of the following accounts:

  • Cash Management Account (CMA)
  • Cash Management Sub Account
  • CMA for Trust Account (as allowed by the trust)
  • CMA for Trust Sub Account (as allowed by the trust)
  • Roth, Traditional, and Rollover IRAs
  • SEP (as IRA contributions only, no employer contributions)
  • Loan Management Account (LMA)
  • Working Capital Management Account (WCMA - Business)
  • Working Capital Management Account Sub Account
  • Endowment Management Account
  • Medical Savings Account
  • Business Investor Account

What types of checks can I deposit?

You can use Check Deposit for common personal and business checks drawn on U.S. banks and in U.S. currency. Please note: All checks must be payable to the owner of the account and be endorsed on the back.

Acceptable types of checks:

  • Personal checks
  • Cashier's or bank checks
  • Certified checks
  • Federal Reserve checks
  • Money orders
  • U.S. Treasury checks
  • Traveler's checks
  • Business checks

Non-acceptable types of checks:

  • Employer contributions (SEP IRAs)
  • From a foreign country
  • Rebate checks
  • A limited number of state tax refund checks
  • Non-negotiable checks

Is there a limit on the amount I can deposit?

Yes. There is a deposit limit applied based on multiple factors, which may include your relationship with Merrill and the age of your account.

Are the check photos stored on my mobile device?

No. After you complete the transaction, the check photos will no longer be stored on your device.

What should I do with the check after I make a deposit using a mobile device?

  • Make sure that the funds you deposited are available for withdrawal by checking your available balance.
  • You must keep the check for at least 14 days, and then destroy it.

How can I check the status of my deposit?

You can check the status of your deposit using the Status tab on the Check Deposits screen.

Do you place a hold on check deposits?

Deposits are subject to verification, and our general policy is to post funds to the account by the next business day after the deposit is made. Funds are available for investing when posted, but they can be held for up to 8 days.

How long does it take for a check to clear if I use a mobile device to make a deposit?

The time it takes for the mobile check deposit to clear will vary, depending on when the deposit is made and other factors. The status of each deposit will be listed as:

  • Pending. We have received your deposit.
  • Completed. The deposit has been processed; however, the funds may not yet be available to you. To determine when a deposit you make with a mobile device is available for withdrawal, please check the available balance in your account.
  • Rejected. Either the check images submitted were unacceptable or there were connection or other issues. Please note that we may reject a deposit after it's been submitted. If that is the case, you will receive an email or letter that describes why we were unable to accept the deposit. Also, the status will be updated to "Rejected"; in View Status.

Please see the Q&A, "Do you place a hold on check deposits?" for more details.

How can I determine if my funds are available?

To determine when funds are available for your use, please check the Available Balance in your account. Once the deposited funds are available for your use, you must keep the check for an additional 14 days before you destroy it to ensure the issuing party or institution has honored the check.

What should I do if my check is rejected?

If the check images are unacceptable, you can try to make the deposit again by retaking pictures of the front and back of the check and re-submitting the deposit. Remember to endorse the back of the check. Then place the check on a well-lit, flat surface with a dark background, avoid shadows, hold the camera steady and make sure all four corners of the check appear inside the guidelines.

If there are network issues, you can try to make the deposit later.

For some deposits, you may need to choose a different method, such as using your Merrill Lynch CMA Access Visa card® at an ATM, or by sending the deposit to us. If we reject a deposit after you've submitted it, you will receive a service notice that describes why we were unable to accept the deposit. Also, the status will be updated to Rejected in Activity.