{"id":1046280,"date":"2024-10-23T18:15:42","date_gmt":"2024-10-23T22:15:42","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1046280"},"modified":"2026-05-01T04:10:29","modified_gmt":"2026-05-01T08:10:29","slug":"mobile-cheque-deposit-with-instant-funds-availability-canada","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/digital-banking\/mobile-cheque-deposit-with-instant-funds-availability-canada","title":{"rendered":"Mobile cheque deposit with instant funds availability in Canada"},"content":{"rendered":"<p>Many Canadian banks let you deposit cheques online instantly via mobile app by signing the cheque, taking a photo of it with your smartphone and entering a few details\u2014all without visiting a local branch. Cheques may take days to clear, but some banks offer mobile cheque deposits with instant funds availability in Canada.<\/p><h3 id=\"compare\">Which Canadian banks offer instant mobile cheque deposit?<\/h3><p>Most of these banks let you access mobile cheque funds immediately or, at the very least, within the same day. You typically don\u2019t need to pay a fee for mobile cheque deposits.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th style=\"width: 20%;\">Bank<\/th><th style=\"width: 50%;\">Mobile deposit funds availability<\/th><th style=\"width: 30%;\">Get started<\/th><\/tr><\/thead><tbody><tr><td><div style=\"font-size: 14pt;\"><strong>BMO<\/strong><\/div><\/td><td>Under $1,500: Available instantly<br>$1,500 or more: May be held for up to 8 business days<\/td><td style=\"text-align: center;\"><center><strong>BMO Performance Chequing Account<\/strong><\/center><center><\/center><\/td><\/tr><tr><th style=\"border-top: none !important; padding-top: 0 !important; font-weight: normal !important;\" colspan=\"3\"><article class=\"luna-card--border luna-card--alt\"><div class=\"luna-card__block\"><span class=\"gx-badge__body hasPopover\" style=\"margin-right: 2rem\" rel=\"popover\" data-content=\"\" data-html=\"true\" data-original-title=\"\" title=\"\">Exclusive<\/span><div class=\"has-padding-xsmall\"><\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-4\/5@s u-1\/1\"><div style=\"font-size: 110%;\">+ Get a <strong>$175 digital Visa Card<\/strong> when you open a <strong>BMO Performance Chequing Account<\/strong> through Finder\u2014stack with BMO's offer for a <strong>total $975 bonus<\/strong>. Become a Finder Member in seconds for free to claim your reward. Offer ends June 30, 2026. T&amp;Cs apply.<\/div><\/div><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"display: flex; justify-content: center;\"><p style=\"text-align: center;\"><\/p><div class=\"rewards--element-container rewards--container\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-niche=\"CAFSA-CHQ\" data-product-name=\"BMO Performance Chequing Account\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|performance|may-2026~cafsa\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"bmo|performance|may-2026~cafsa\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-06-30T20:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder and receive a \\u003Cb\\u003E$175 digital Visa card + earn up to $800\\u003C\\\/b\\u003E in welcome bonuses from BMO. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"b01ef1f7-4690-430e-890a-bde8c7186248\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-30T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $175 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Create a Finder account for free in under 1 minute\"},{\"icon\":\"shopping-bag\",\"text\":\"Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $175 digital Visa card from Finder on or before August 14, 2026\"}],\"heading\":\"Get $175 from Finder\",\"membersHeading\":\"Get $175 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free in under 1 minute\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before August 14, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before August 14, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"continueText\":\"GET $175 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO BMO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/bmo-performance-chequing-account-may-2026-promotion\",\"validationDate\":\"2026-07-30T23:59:59.000Z\",\"fulfillmentDate\":\"2026-08-14T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-performance-chequing-account-review-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Boffer%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%22%2C%22offer_id%22%3A%2222439%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22provider_id%22%3A%2217ec4faf-007c-4695-8db1-58ffc0fdcac9%22%2C%22provider_name%22%3A%22BMO%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success rewards--cta\">Get offer<\/a><\/div><\/div><\/div><\/div><\/article><\/th><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>Coast Capital<\/strong><\/div><\/td><td>Instantly available, although Coast Capital may place a discretionary hold for up to 4 business days.<\/td><td style=\"text-align: center;\"><center><strong>Coast Capital Free Chequing, Free Debit, and More Account:<\/strong><\/center><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CAFSA-CHQ has-margin-top-small\">\r\n          <a class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/coast-capital-chequing-account-ca-secured.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2243e021b9-a760-4292-9129-25c708bac2df%22%2C%22product_name%22%3A%22Coast%2BCapital%2BFree%2BChequing%252C%2BFree%2BDebit%252C%2Band%2BMore%2BAccount%22%2C%22offer_id%22%3A%2220428%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><\/td><\/tr><tr><td><div style=\"font-size: 14pt; text-align: left;\"><strong>RBC<\/strong><\/div><\/td><td>Instant if deposited before 6PM on business days. Some cheques may be held for up to 5 business days.<\/td><td><center><strong>RBC Signature No Limit Banking Account<\/strong><\/center><center><\/center><\/td><\/tr><tr><th style=\"border-top: none !important; padding-top: 0 !important; font-weight: normal !important;\" colspan=\"3\"><article class=\"luna-card--border luna-card--alt\"><div class=\"luna-card__block\"><span class=\"gx-badge__body hasPopover\" style=\"margin-right: 2rem\" rel=\"popover\" data-content=\"\" data-html=\"true\" data-original-title=\"\" title=\"\">Exclusive<\/span><div class=\"has-padding-xsmall\"><\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-4\/5@s u-1\/1\"><div style=\"font-size: 110%;\">+ Get a <strong>$150 digital Visa Card<\/strong> when you open an <strong>RBC Signature No Limit Banking Account<\/strong> online through Finder. Become a Finder Member in seconds for free to claim your reward. <strong>Offer ends May 31, 2026<\/strong>. T&amp;Cs apply.<\/div><\/div><div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"display: flex; justify-content: center;\"><p style=\"text-align: center;\"><\/p><div class=\"rewards--element-container rewards--container\" data-product-id=\"a1e23cc0-b6b4-41c2-9d0a-4293f4965664\" data-niche=\"CAFSA-CHQ\" data-product-name=\"RBC Signature No Limit Banking Account\" data-provider-name=\"RBC\" data-rewards-campaign-name=\"rbc_cafsa_chq_april_2026\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"rbc_cafsa_chq_april_2026\"] = {\"startDate\":\"2026-04-01T08:00:00.000Z\",\"endDate\":\"2026-05-31T20:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $150 from Finder\",\"titleHighlight\":\"$150\",\"copyText\":\"Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E through Finder and receive a \\u003Cb\\u003E$150 digital Visa card\\u003C\\\/b\\u003E, plus qualify for RBC\\u2019s official welcome offer of a \\u003Cb\\u003Enew Apple Watch\\u003C\\\/b\\u003E. Offer ends May 31, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"a1e23cc0-b6b4-41c2-9d0a-4293f4965664\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-rbc\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"150\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/rbc-signature-no-limit-banking-account-150-gift-card-april-2026\",\"validationDate\":\"2026-06-30T23:59:59.000Z\",\"fulfillmentDate\":\"2026-07-15T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-rbc-signature-no-limit-banking-account-reward-promotion-terms-and-conditions-april-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $150 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new RBC account\",\"items\":[{\"icon\":\"user\",\"text\":\"Create a Finder account for free in under 1 minute\"},{\"icon\":\"shopping-bag\",\"text\":\"Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $150 digital Visa card from Finder on or before July 15, 2026\"}],\"heading\":\"Get $150 from Finder\",\"membersHeading\":\"Get $150 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free in under 1 minute\\n* Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $150 digital Visa card from Finder on or before July 15, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $150 digital Visa card from Finder on or before July 15, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new RBC account\",\"continueText\":\"GET $150 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO RBC\",\"copyText\":\"Ends on May 31, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-rbc\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"150\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/rbc-signature-no-limit-banking-account-150-gift-card-april-2026\",\"validationDate\":\"2026-06-30T23:59:59.000Z\",\"fulfillmentDate\":\"2026-07-15T23:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-rbc-signature-no-limit-banking-account-reward-promotion-terms-and-conditions-april-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/rbc-signature-no-limit-banking-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Boffer%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%22%2C%22offer_id%22%3A%2226912%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22a1e23cc0-b6b4-41c2-9d0a-4293f4965664%22%2C%22product_name%22%3A%22RBC%2BSignature%2BNo%2BLimit%2BBanking%2BAccount%22%2C%22provider_id%22%3A%228b4b4157-64d7-4b2b-b7b5-2d7020638f2c%22%2C%22provider_name%22%3A%22RBC%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success rewards--cta\">Get offer<\/a><\/div><\/div><\/div><\/div><\/article><\/th><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>Scotiabank<\/strong><\/div><\/td><td>Instantly available, although Scotiabank may place a discretionary hold for up to 5 business days.<\/td><td><center><strong>Scotiabank Preferred Package:<\/strong><\/center><center><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CAFSA-CHQ has-margin-top-small\">\r\n          <a class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/scotiabank-preferred-package-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2234e22551-d045-4451-8495-3962ed302fb2%22%2C%22product_name%22%3A%22Scotiabank%2BPreferred%2BPackage%22%2C%22offer_id%22%3A%2224036%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><\/center><\/td><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>EQ Bank<\/strong><\/div><\/td><td>Up to $1,500: Available 5 business days later<br>Over $1,500: Available 8 business days later<\/td><td><center><strong>EQ Bank Personal Account:<\/strong><\/center><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CAFSA-CHQ has-margin-top-small\">\r\n          <a class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22offer_id%22%3A%2222475%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><\/p><\/td><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>Tangerine<\/strong><\/div><\/td><td>Instant but could be held for up to 5 business days.<\/td><td><center><strong>Tangerine No-Fee Daily Chequing Account:<\/strong><\/center><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CAFSA-CHQ has-margin-top-small\">\r\n          <a class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/tangerine-chequing-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%229a3738f9-8b59-40df-afb9-0892ea7f99a5%22%2C%22product_name%22%3A%22Tangerine%2BNo-Fee%2BDaily%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2226268%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><\/p><\/td><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>Simplii Financial<\/strong><\/div><\/td><td>Usually available instantly, but Simplii may place a discretionary hold for up to 5 business days.<\/td><td><center><strong>Simplii No Fee Chequing Account:<\/strong><\/center><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CAFSA-CHQ has-margin-top-small\">\r\n          <a class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/simplii-no-fee-chequing-account-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bc9cfba9-5ce5-4aae-88de-f139bcac33e0%22%2C%22product_name%22%3A%22Simplii%2BNo%2BFee%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2221492%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><\/p><\/td><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>TD<\/strong><\/div><\/td><td>Instantly available. At TD\u2019s discretion, a hold may be placed on funds for up to 6 business days.<\/td><td><center><strong>TD Unlimited Chequing Account:<\/strong><\/center><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n                            <div class=\"has-margin-top-small\">\r\n\t\t\t\t\t  <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/td-chequing\/td-unlimited-chequing-account-review\" rel=\"nofollow\" class=\"luna-button luna-button--primary luna-button--ghost luna-button--cta has-margin-bottom-xsmall\">\r\n\t\t\t\t\t\tRead review\r\n                              <\/a><\/div>\r\n\t\t\t\t  <\/section><\/p><\/td><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>CIBC<\/strong><\/div><\/td><td>Instantly available. At CIBC\u2019s discretion, a hold may be placed on funds for up to 4 business days.<\/td><td><center><strong>CIBC Smart Account:<\/strong><\/center><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n                            <div class=\"has-margin-top-small\">\r\n\t\t\t\t\t  <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/cibc-chequing\/cibc-smart-account-review\" rel=\"nofollow\" class=\"luna-button luna-button--primary luna-button--ghost luna-button--cta has-margin-bottom-xsmall\">\r\n\t\t\t\t\t\tRead review\r\n                              <\/a><\/div>\r\n\t\t\t\t  <\/section><\/p><\/td><\/tr><tr><td><div style=\"font-size: 14pt;\"><strong>National Bank of Canada<\/strong><\/div><\/td><td>Some funds are available instantly. Amounts up to $1,500 may be held for up to 5 business days, and amounts over $1,500 may be held for up to 8 business days.<\/td><td><center><strong>National Bank The Total Chequing Account:<\/strong><\/center><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n                            <div class=\"has-margin-top-small\">\r\n\t\t\t\t\t  <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/national-bank-chequing\/national-bank-the-total-chequing-account-review\" rel=\"nofollow\" class=\"luna-button luna-button--primary luna-button--ghost luna-button--cta has-margin-bottom-xsmall\">\r\n\t\t\t\t\t\tRead review\r\n                              <\/a><\/div>\r\n\t\t\t\t  <\/section><\/p><\/td><\/tr><\/tbody><\/table><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>All of Canada\u2019s Big Banks and many other financial institutions offer mobile cheque deposit in Canada, but not all make your money instantly available.<\/li>\n          <li>Funds deposited via mobile cheque deposit may be available instantly, the same business day or within several business days.<\/li>\n          <li>Interac e-Transfers and dedicated money transfer services offer faster and easier ways of sending money.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>7 steps for how to cash a cheque instantly<\/h3><p>There are typically 7 steps for how to cash a cheque instantly:<\/p><ol><li>Sign the back of the cheque<\/li><li>Log in to your mobile banking app<\/li><li>Select mobile cheque deposit<\/li><li>Enter the amount the cheque is worth and select the account you want to deposit it into<\/li><li>Upload photos of the front and back of the cheque<\/li><li>Review the details and submit the deposit<\/li><li>Set the cheque aside for at least five to 14 days<\/li><\/ol><p>At that point, all or a portion of the cheque will typically have been deposited into your account instantly and available for immediate access. The whole process to complete a mobile cheque deposit typically takes only around two minutes.<\/p><p>You can read our <a href=\"https:\/\/www.finder.com\/ca\/digital-banking\/how-to-deposit-cheque-online\">full guide to how to deposit a cheque online<\/a> for more details about each step and for a step-by-step picture guide outlining the whole process.<\/p><h3>Banks that don\u2019t offer mobile cheque deposit in Canada<\/h3><p>While most banks and credit unions in Canada let you deposit cheques by mobile app, not all do. Here are just a few financial institutions don\u2019t offer cheque services or require cheque deposits the traditional way\u2014via teller or ATM.<\/p><ul><li>Laurentian Bank<\/li><li>Oaken Financial<\/li><li>PC Financial<\/li><li>Neo Financial (but Neo claims it\u2019s coming soon)<\/li><\/ul><h3>Can you cash cheques online instantly in Canada?<\/h3><p>Yes, it is possible to cash cheques online instantly, if by \u201ccash\u201d you mean deposit. If you want physical cash in hand, you have two options:<\/p><ol><li><strong>Deposit the cheque through your banking app<\/strong> using a bank that offers instant mobile deposit, and then visit an ATM to withdraw the cash<\/li><li><strong>Deposit the cheque in person<\/strong> at your local bank branch<\/li><\/ol><p>There may be a third option available depending on your bank, where you can deposit the cheque directly through your bank\u2019s ATM machine and then immediately withdraw the cash.<\/p><p>Between all of these options, it\u2019s definitely possible to cash cheques online instantly in Canada\u2014whether you\u2019re looking for cash in hand or to have it deposited in your account.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Did you know you have a legal right to the first $100?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>The Financial Consumer Agency of Canada (FCAC) has federally mandated that all banks must provide access to the first $100 of any cheque you deposit immediately if you deposited the cheque in person or within one business day if deposited the cheque through a mobile app or ATM.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>How fast is an instant mobile cheque deposit?<\/h3><p>Mobile cheque deposits typically appear in your account immediately, and in many cases, you can access funds right away. But banks may sometimes hold deposits for one to five (or more) business days to make sure cheques clear and don\u2019t bounce.<\/p><p>If a bank advertises \u201cinstant\u201d cheque deposits, its definition of \u201cinstant\u201d is likely to vary. Some banks consider instant availability as funds cleared within that same business day, while others consider instant availability as making your funds available within minutes of depositing.<\/p><h3>What is the fastest cheque deposit method?<\/h3><p>Depending on the bank and the cheque amount, most cheques clear within one day up to several business days. Depositing a cheque at a physical branch is typically the fastest way to clear funds. Depositing via ATM or mobile app will take longer.<\/p><p>For federally regulated financial institutions like banks, Canadian dollar cheques drawn from Canadian bank accounts can\u2019t be held for longer than eight days. Provincially and territorially regulated financial institutions like credit unions may have different policies.<\/p><p>Cheques aren\u2019t the only way to move money between bank accounts. Faster\u2014and more modern transfer methods\u2014include Interac e-Transfers and using a <a href=\"https:\/\/www.finder.com\/ca\/international-money-transfers\">dedicated money transfer service<\/a> like Wise, Western Union.<\/p><style>\r\n.linkTextCTA {\r\n    border: 2px solid#d5d9dc;\r\n    border-radius: 2px;\r\n}\r\n.grid_col_noPadding {\r\n    padding: 0.5 rem!important;\r\n}\r\n.grid_noMargin {\r\n    margin-left: 0rem!important;\r\n    margin-right: 0rem!important;\r\n    margin-top: -1rem;\r\n}\r\n\r\n@media screen and (min-width: 600px)\r\n{\r\n    .linkTextButton {\r\n        margin-top: 2rem;\r\n    }\r\n} \r\n<\/style>\r\n<article class=\"linkTextCTA\">\r\n  <div class=\"has-padding-xsmall\"><\/div>\r\n    <div class=\"u-grid grid_noMargin rewards--element-container rewards--container\" data-product-id=\"43e021b9-a760-4292-9129-25c708bac2df\" data-product-name=\"Coast Capital Free Chequing, Free Debit, and More Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"Coast Capital\" data-rewards-campaign-name=\"\"> \r\n        <div class=\"u-grid__col grid_col_noPadding u-1\/6@s u-1\/4\">\r\n                     <div class=\"has-padding-xsmall\"><\/div>\r\n                     <div class=\"has-padding-xsmall\"><\/div>\r\n            <img src=\"https:\/\/www.finder.com\/niche-builder\/6408c2366f785.png\" style=\"padding: 0.5px; max-height: 80px;\" alt=\"Coast Capital logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6408c2366f785.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6408c2366f785.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6408c2366f785.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6408c2366f785.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6408c2366f785.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\r\n          <span class=\"is-hidden@s is-hidden\"><b> Coast Capital Free Chequing, Free Debit, and More Account <\/b><\/span>\r\n      <\/div>\r\n        <div class=\"u-grid__col grid_col_noPadding u-7\/12@s u-3\/4\">\r\n           <div class=\"has-padding-xsmall\"><\/div>\r\n            <h4 class=\"is-visible@s is-visible\">Finder's Pick: Coast Capital<\/h4> <span style=\"font-weight: 400;\">Enjoy no monthly fees and unlimited day-to-day transactions with this Coast Capital chequing account. Plus, get access to instant mobile cheque deposits through the app.<\/span>\r\n        <\/div>\r\n        <div class=\"u-grid__col grid_col_noPadding u-1\/4@s u-1\/1\">\r\n                     <div class=\"has-padding-xsmall\"><\/div>\r\n           <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n            <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/coast-capital-chequing-account-ca-secured.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2243e021b9-a760-4292-9129-25c708bac2df%22%2C%22product_name%22%3A%22Coast%2BCapital%2BFree%2BChequing%252C%2BFree%2BDebit%252C%2Band%2BMore%2BAccount%22%2C%22offer_id%22%3A%2220428%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_LINK_CTA%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%221046280%22%2C%22post_path%22%3A%22digital-banking%252Fmobile-cheque-deposit-with-instant-funds-availability-canada%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n\r\n        <\/div> \r\n    <\/div>\r\n<\/article>\r\n\r\n\r\n<h3>Online banks with immediate funds availability in Canada<\/h3><p>Beyond the <a href=\"https:\/\/www.finder.com\/ca\/banking\/big-five-banks\">Big 6 Banks in Canada<\/a>, there are many online-only banks that provide immediate funds availability in Canada, including Simplii Financial, EQ Bank and Tangerine.<\/p><p>That said, both online banks and banks with physical branches in Canada usually offer mobile banking apps that enable online cheque deposits with instant (or nearly instant) access to funds. You can also typically sign up for an account in mere minutes using a bank\u2019s mobile app. <a class=\"scroll\" style=\"text-decoration: none; color: #1d53ff;\" href=\"#compare\">Check out account options above<\/a>.<\/p><h3>How long does it take for a cheque to clear through mobile deposit?<\/h3><p>In Canada, mobile cheque deposits may be available right away but can take up to five business days or more to process, verify and clear. In some cases, only a portion of the cheque may clear immediately, and the rest clears the next business day.<\/p><p>The speed can also depend on the amount that\u2019s deposited. For example, by law the first $100 must be available immediately if you deposit a cheque in person at a branch or by the next business day for other cheque deposit methods like ATMs and mobile apps.<\/p><p>Mobile cheque deposit may also be your only way to deposit a cheque with a <a href=\"https:\/\/www.finder.com\/ca\/digital-banking\">digital bank<\/a>. Some banks also allow you to mail cheques, but that would likely take longer than a mobile cheque deposit, thanks to the speed of snail mail.<\/p><h4>Reasons your mobile cheque might get delayed<\/h4><p>The timing of when the cheque was deposited can create delays. Some banks like RBC may allow a cheque to clear the same day if deposited before 6PM on business days. If you attempt to deposit the cheque after that time, you\u2019ll likely have to wait until the next day for it to clear.<\/p><p>Another likely explanation for a delay could be a lack of verification. If you\u2019ve deposited a large amount\u2014or an amount you don\u2019t normally deposit\u2014the bank may need time to verify the security of the transaction and ensure that the sending account has enough funds to clear the cheque.<\/p><p>Other common delay causes can include:<\/p><ul><li>The deposit amount is over the bank\u2019s daily limit<\/li><li>The bank doesn\u2019t accept the cheque you attempted to deposit<\/li><li>Your account is in overdraft, and the cheque amount is applied to your negative balance<\/li><li>You\u2019re a new customer and limits apply for the first few months of having an account<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/top-mobile-banking-apps\" style=\"text-decoration:underline; font-size:0.9em;\">Best free mobile banking apps<\/a>\n<\/div>\n<\/article><h3>Can you deposit a cheque at an ATM?<\/h3><p>Yes, many banks in Canada offer ATM cheque deposits, where customers can deposit their cheques entirely through their bank\u2019s ATM just like they would deposit cash through the ATM, without having to visit a teller. Banks that offer ATM cheque deposits include Scotiabank, RBC, TD and Tangerine (at Scotiabank ATMs).<\/p><h3>Can you deposit cheque online without a bank account in Canada?<\/h3><p>Yes, it is possible to deposit a a cheque online without a bank account in Canada, but your options will be mostly limited to cheque-cashing services, like <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/money-mart\">Money Mart<\/a> and <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/speedy-cash-payday-loans\">Speedy Cash<\/a>, who typically charge a fee for the service. Some retailers, like grocery stores, will occasionally cash a cheque for its customers for a small fee as well.<\/p><h3>What else can you use instant mobile deposit for?<\/h3><p>Many banks in Canada also use their mobile cheque deposit process to support deposits of other types of money transfer methods, like bank drafts, money orders or certified cheques. The process is typically the same as required to deposit a standard cheque instantly through the bank\u2019s mobile app. The only caveat for these other types of deposits is that the bank that issues the deposit usually needs to be Canadian-based as well.<\/p><h3>Alternatives to mobile cheque deposit for instant funds availability<\/h3><p>If you\u2019re with a bank or credit union that doesn\u2019t support mobile cheque deposit, there are other ways to deposit a cheque to get instant access to the funds.<\/p><p>For example, you could visit your local bank branch to cash the cheque and ask the teller to give you all or any part of the cheque in cash immediately. Or you can have the entire amount deposited into your account for immediately access through your debit card or for e-transfer.<\/p><p>Alternatively, like we mentioned above, some ATMs in Canada support cheque deposits entirely through the ATM. Once the cheque is deposited you can immediate withdraw the amount in cash if necessary.<\/p><p>If you\u2019re with an online bank that doesn\u2019t have physical branches or ATMs that support cheque deposits, then you\u2019re best option will likely be to open a free account with a <a href=\"#compare\">bank that supports instant mobile cheque deposits<\/a> (which can usually be done online in only a few minutes), deposit the cheque into that account and then e-transfer the funds into your original account.<\/p><h3>How much do Canadians use mobile banking?<\/h3><p>Mobile cheque deposits seem to be the norm for most Canadians. The results of our most recent <em>Finder: Consumer Sentiment Survey<\/em> showed that only one out of every ten Canadians primarily rely on visiting a bank branch to manage their banking needs, likely including depositing cheques.<\/p><p>Instead, the vast majority of Canadians are split between primarily using their mobile banking app (48.95%) and primarily using their bank\u2019s online portal (40.86%). That said, mobile banking still squeaks out on top as the most popular option.<\/p><p style=\"text-align: center;\"><iframe id=\"datawrapper-chart-EfAQQ\" title=\"What is your preferred method of managing your banking needs?\" width=\"600\" height=\"567\" scrolling=\"yes\" aria-label=\"Pie Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/EfAQQ\/1\/\" style=\"border: none;\" loading=\"lazy\"><\/iframe><\/p><h3>Bottom line<\/h3><p>Most modern banks allow mobile cheque deposits through banking apps, but not all are instant. For more account options, compare the <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">best chequing accounts<\/a> and the <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/best-high-interest-savings-accounts\">best high-interest savings accounts<\/a>.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Where can I mobile deposit a check and get funds instantly?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Banks and credit unions in Canada that allow you to get funds instantly after a mobile check deposit (or \"cheque\" as it's commonly spelled in Canada) include Scotiabank, Coast Capital and Simplii Financial. Keep in mind that depending on how much you're trying to deposit, some of your funds could be placed on hold for several days before you can get access.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What options does PC Financial offer to deposit cheques?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Unfortunately, PC Financial does not offer the option to directly deposit cheques into its accounts. If you have a PC Money account and want to deposit a cheque, you'll have to deposit the cheque at a different financial institution and then transfer the funds into your PC Financial account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How long does Simplii hold a cheque?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Simplii Financial does not typically put a hold on cheques. That said, Simplii does reserve the right to put a hold for up to 5 business days at its discretion.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What types of cheques aren't eligible for mobile deposit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on the bank, but treasury cheques, traveler's cheques and money orders may not be eligible for mobile cheque deposit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can you get money instantly by cashing a cheque at an ATM?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>In some cases, you can instantly access the money you deposited via ATM. You may only have immediate access to a portion of the funds, depending on the total amount deposited. But expect to wait a day or two for the cheque to clear.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Are mobile cheque deposits safe?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>In most cases, yes. The majority of bank apps encrypt your information and only let you view deposited cheque images through secured bank portals.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000006\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000006\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>\n<div class=\"contentFeed contentFeed--relatedPosts\">\n            <h3 class=\"contentFeed__title\">More banking guides from our experts<\/h3>\n        <div class=\"contentFeed__carousel\" data-post-count=\"6\">\n                                    <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"3\" style=\"--items-in-view: 3\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Bank Canada. Banking statistics in Canada.\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">Banking statistics and trends in Canada for 2025<\/a>            <\/p>        <\/header>        <p>Explore key banking statistics and figures from the Finder: Consumer Sentiment Survey January 2025.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">Best free (no-fee) chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare the features of 8 of the best no-fee chequing accounts in Canada, and find out how to avoid transaction fees.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, 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https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Best new bank account offers\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">17 best new bank account offers for May 2026<\/a>            <\/p>        <\/header>        <p>Earn cash, rewards points, bonus interest rates and more with these new bank account offers and promotions.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Teen Kid Holding Piggy Bank\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Kids Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">Best youth bank accounts in Canada<\/a>            <\/p>        <\/header>        <p>Learn about the different types of bank accounts for your teenager and how to choose the right one.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">Best chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare chequing accounts and learn about our top picks. Compare different features and see which one is right for you.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Typing on laptop\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">Open a bank account online in Canada in 5 easy steps<\/a>            <\/p>        <\/header>        <p>Compare and open a bank account online in Canada in as little as 5 minutes. Learn what you need to apply and how to get started today. <\/p>                    <\/div>        <\/article>            \n<\/div>\n                \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Find out which banks offer instantly available funds with mobile cheque deposit in Canada.<\/p>\n","protected":false},"author":1219,"featured_media":1046285,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[75278],"tags":[107302],"asset_tag":[],"class_list":["post-1046280","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-banking","tag-cst-research"],"apple_news_notices":[],"yoast_head":"<!-- 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cheque deposit with instant funds availability in Canada.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/digital-banking\/mobile-cheque-deposit-with-instant-funds-availability-canada\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-23T22:15:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/mobilechequedeposit_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bethany Hickey\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bethany Hickey\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 minutes\" 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Keep in mind that depending on how much you're trying to deposit, some of your funds could be placed on hold for several days before you can get access.\\r\"}},{\"@type\":\"Question\",\"name\":\"What options does PC Financial offer to deposit cheques?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rUnfortunately, PC Financial does not offer the option to directly deposit cheques into its accounts. If you have a PC Money account and want to deposit a cheque, you'll have to deposit the cheque at a different financial institution and then transfer the funds into your PC Financial account.\\r\"}},{\"@type\":\"Question\",\"name\":\"How long does Simplii hold a cheque?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rSimplii Financial does not typically put a hold on cheques. 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Keep in mind that depending on how much you're trying to deposit, some of your funds could be placed on hold for several days before you can get access.\r"}},{"@type":"Question","name":"What options does PC Financial offer to deposit cheques?","acceptedAnswer":{"@type":"Answer","text":"\rUnfortunately, PC Financial does not offer the option to directly deposit cheques into its accounts. If you have a PC Money account and want to deposit a cheque, you'll have to deposit the cheque at a different financial institution and then transfer the funds into your PC Financial account.\r"}},{"@type":"Question","name":"How long does Simplii hold a cheque?","acceptedAnswer":{"@type":"Answer","text":"\rSimplii Financial does not typically put a hold on cheques. 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