Mobile check deposit

Easily deposit checks online from the comfort of your couch.

Add money to your account anytime, anywhere with mobile check deposit.


Open an account
Download the app

Three reasons to love SoFi's mobile check deposit.

Convenient

You don't have to go to a bank or ATM. Make deposits 24/7 through the SoFi app.

Simple

Just snap a pic to deposit your check. Do it all through our mobile app.

Secure

Enjoy peace of mind knowing our mobile check deposit is a secure process.

    How mobile check deposit works.

    Could depositing a check online be any easier? Probably not.

  • Log in to the SoFi app.

    After you've downloaded the SoFi app and logged in, head to the Banking tab.


  • Tap the Deposit icon.

    Enter the check amount and choose if you want to deposit into your checking or savings account.


  • Snap photos.

    Take a picture of the front and back of the check.


  • Submit.

    That's it! Funds typically become available within one to five business days.

  • Get started

Deposit money in a snap. Literally.

Forget stopping at the bank. Instantly deposit your checks with SoFi mobile check deposit.

Open an account

FAQs

Make sure you have at least $500 deposited into your account to unlock mobile check deposit. You can transfer the funds using your paycheck (by setting up direct deposit) or through an external bank transfer.
With mobile deposit, you're able to deposit funds into your SoFi bank account by simply taking photos of the front and back of the check. This means you never have to take your check to a physical bank and can make deposits from the comfort of your home.
Mobile check funds are available within 1-5 business days (more information here). Once you submit your mobile deposit, you'll see more detailed information on when you can expect the funds.
You always need to endorse a check before you can deposit it. When depositing into SoFi, we require that you write the following after your signature: 'For deposit to SoFi Checking & Savings'.
It's a good practice to keep your check for 30 days after you deposit it, or at least until you see the funds added to your account. After you see the money in your account, destroy the check or mark it void.
Please log into your account in order to view your individual account limit. Navigate to Banking > Deposit > Learn about deposit limits.

Explore other online banking features:

Mobile Banking

Zelle®

Transfers

Online Bill Pay

Automatic Saving Tools

Online Banking Security

Home > Banking > Online Banking >Mobile Check Deposit