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Helpful Tips

What’s the best way to take a picture of my check?

If the image you snap isn’t clear enough, we’ll ask you to retake your check images. Here are some tips to get a better picture:

  • Always use your camera’s focus so the image isn’t blurry.
  • Capture all four corners of the check and make sure the edges aren’t cut off.
  • Have plenty of lighting.
  • Use a dark surface so the check doesn’t blend in with the background.
  • Make sure the check is the only object in the picture.
  • Don’t forget to sign the back of the check.

Examples:

Example check image at a bad angle

Example check image with a contrasting background

Example check image with edges cut off

Example check image with a dot drawn in four corners

Example check images that are too light and dark

Example check images with bottom numbers covered up

 Example check images with too much light reflecting from the flash

How do I endorse the back of my check?

If the check’s made out to just you, sign your name on the back. If the check’s made out to two people, the manner in which we'll be able to accept it is based upon whether the word "and" or the word "or" was used on the Made Paybable To Line. When in doubt, have both people sign the check. Here are some guidelines:

  • When the word “AND” is used
    • Example: John Smith AND Susan Smith
    • The check can be accepted if:
      • Both Customers are on the Capital One 360 account and only one Customer endorses the check
    • The check will be rejected if:
      • Only one Customer is on the account with us
      • Only one Customer is on the Capital One 360 account and one or both people endorse the check
  • When the word “OR” is used, this means either Customer can be involved
    • Example: John Smith OR Susan Smith
    • The check can be accepted as long as:
      • Both Customers are on the account with us and there is no endorsement
      • Both Customers are on the account with us and there is only one endorsement
      • Both Customers are on the account with us and both people have endorsed the check
      • Only one Customer is on the account with us and both people endorsed the check
      • Only one Customer is on the account with us and there's only one endorsement by either person

If you tried to deposit a check using Mobile Deposit and it was rejected, just update the signatures on the back of the check based on the guidelines above and try again.

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