I never received a notice from the bank that there was a problem with the deposit. The bank subtracted the check amount from my account. Translated into English, that means that even though the app told me the image I took of the check was fine, the bank later decided that it wasn't for some unexplained reason, and refused to credit my account for the deposit, even though it had previously told me it had done that. ".RCK ADJ non conforming image item on in deposit of." The problem was that.well, let me print for you exactly what the bank said online. The problem wasn't that the check bounced - it was written by a large business, and so the check was fine. And it hadn't bothered to notify me that it did that. I looked at the account details, and saw that the bank had subtracted from the account the amount of the check I had deposited a week and a half ago. I was checking the balance on my accounts online, and noticed that one was several thousand dollars short of what it should have been. I received the usual confirmation that the check was sent and deposited in my account. It went through without a problem, as always. I used the Bank of America app to deposit the check, as I have done before with checks from the company. I've been receiving their checks for years. The check was a standard-looking check for several thousand dollars from a large, reputable company with plenty of money behind it. I deposited a check a week and a half ago for several thousand dollars, using the app. And the bank won't bother to tell you that it's turned the check down - even though the app tells you that the check has been deposited. At that point, you'll need to head to an ATM or the bank and deposit the check.īut I found out that just because the app sends the image, and just because the app confirms that the check was deposited, that doesn't mean that the bank will actually accept the check, even if it's a valid one. On occasion, even after you take a photo several times, the app won't accept it. With it, rather than having to go to an ATM, all you need to do is sign your check, take a photo of the front and back of the check using the app, enter out a few pieces of information, tap a button or two, and you're done as the image gets sent to Bank of America, and the check gets credited to your account.ĭuring the process, if the app finds that the check image isn't clear enough, it won't send it to the bank, and will tell you that you need to take another photo. It has saved me substantial amounts of time. Several months ago I began using the app. You could lose thousands of dollars, because though the app tells you that your deposits go through, the bank may later disallow them, even if they're valid checks with cash behind them - and the bank won't even bother to tell you that it took money out of your account. If you use Bank of America's iPhone app to deposit checks, beware.
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