{"id":1051024,"date":"2025-01-27T19:56:45","date_gmt":"2025-01-28T00:56:45","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1051024"},"modified":"2026-01-11T16:00:55","modified_gmt":"2026-01-11T21:00:55","slug":"how-to-deposit-cheque-online","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/digital-banking\/how-to-deposit-cheque-online","title":{"rendered":"How to deposit a cheque online"},"content":{"rendered":"

In today\u2019s digital world, you can perform all of your day-to-day banking transactions online\u2014and that includes depositing cheques. In this guide, we\u2019ll give you step-by-step instructions on how to deposit a cheque online plus look at how long it takes to access the funds you deposit.<\/p>

Can I deposit a cheque online in Canada?<\/h3>

Yes, you can. The vast majority of Canadian financial institutions now allow you to deposit a cheque from your smartphone using a feature called mobile cheque deposit<\/a>. This allows you to deposit a cheque into your bank account whenever and wherever it\u2019s convenient for you.<\/p>

It\u2019s quick and easy to do, and it\u2019s much less hassle than visiting a bank branch in person, waiting in a queue and then depositing a cheque with a teller. However, your bank\u2019s hold policy may mean that it takes longer for your cheque to clear than if you deposit it in person.<\/p>

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Need instant access to your deposit?<\/p>\n

Find out which banks in Canada offer mobile cheque deposit with instant funds availability.<\/p>\n <\/div>\n\n <\/div>\n\n

\n Find out more<\/a>\n <\/div>\n<\/div>\n\n

How to deposit a cheque online in 7 steps<\/h3>

Depositing a cheque online is easy. The exact steps you need to follow will vary slightly from one bank to the next, but you\u2019ll generally need to do the following.<\/p>

1. Sign the back of the cheque<\/h4>

Many banks will require you to \u201cendorse\u201d the cheque before depositing it. This basically means you\u2019ll need to sign the back of the cheque and write the words For deposit only<\/strong> or something similar. Different banks require different wording, so check with your bank before reaching for a pen.<\/p>

Some financial institutions will also require you to write the account number you want the funds deposited into on the back of the cheque.<\/p>

2. Log in to mobile banking<\/h4>

Open your mobile banking app and enter your login details. You\u2019ll need to have the latest version of your bank\u2019s app to be able to use mobile cheque deposit successfully.<\/p>

3. Select mobile cheque deposit<\/h4>

From the home screen, tap on the link to deposit money into your bank account. This could read Move money<\/strong>, Pay & Transfer<\/strong> or a range of other options, depending on your bank.<\/p>

Next, tap on the button to deposit a cheque.<\/p>

4. Enter cheque details<\/h4>

Now it\u2019s time to provide the key details of the cheque you\u2019re depositing. You will need to select the account you want to deposit the cheque into and enter the cheque amount.<\/p>

Note: Depending on your bank\u2019s app, you may be required to perform steps four and five in reverse order.<\/p>

5. Upload photos of the cheque<\/h4>

The next step is to take and upload photos of the front and back of the cheque. To do this, you may need to give permission for your mobile banking app to access your camera. This is simply a matter of tapping the relevant button when prompted.<\/p>

This will then open your smartphone\u2019s camera. Place your cheque on a flat, dark surface and take care to capture clear images of both sides of the cheque. Some apps will automatically capture the image for you once you\u2019ve aligned the cheque correctly, but in other cases, you\u2019ll need to take the photo manually.<\/p>

6. Deposit the cheque<\/h4>

The final step is to review all details and deposit the cheque. Check that the images are clear, that you\u2019ve selected the right account and that you\u2019ve entered the correct amount before submitting the deposit.<\/p>

7. Keep the cheque<\/h4>

You\u2019ll need to keep the original cheque for a period of at least five to 14 days, depending on your bank, before destroying it. This is to ensure that you still have the cheque on hand if something goes wrong and the deposit isn\u2019t processed.<\/p>

Some banks will also require you to write Deposited<\/strong> on the cheque once your deposit has been accepted.<\/p>

Example of how to deposit a cheque online in pictures<\/h3>

You can preview the process for how to deposit a cheque online here (this is using Tangerine\u2019s mobile banking app as an example).<\/p>

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\"Sign
Step 1:<\/strong> Sign the back of the cheque<\/div>\n<\/div>\n
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\"Log
Steps 2 & 3:<\/strong> Log in to your mobile banking app and select \u201cDeposit cheques\u201d.<\/div>\n<\/div>\n
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\"Enter
Step 4:<\/strong> Enter cheque details and select where you want it deposited.<\/div>\n<\/div>\n
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\"Take
Step 5:<\/strong> Take pictures of the front and back of the cheque.<\/div>\n<\/div>\n
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\"Review
Step 6:<\/strong> Review the details and deposit the cheque.<\/div>\n<\/div>\n\n <\/div>\n <\/div>\n
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