The 14 Best Banks With Instant Mobile Deposit

Mobile deposit has become one of the most popular features of online banking, allowing you to deposit checks into your account using your smartphone camera. This can be a huge convenience, especially if you don’t have time to visit a branch or ATM.

But not all banks offer instant mobile deposit. Some banks may make you wait a few days for your deposit to clear, which can be frustrating if you need the money right away.

List of the 14 best banks with instant mobile deposit

  1. Alliant Credit Union
  2. Ally Bank
  3. Capital One 360
  4. Discover Bank
  5. SoFi
  6. Synchrony
  7. Chime
  8. Varo Bank
  9. Netspend
  10. Green Dot Bank
  11. Walmart MoneyCard
  12. Bluebird
  13. Serve
  14. GoBank

How to choose the best bank for instant mobile deposit

When choosing a bank for instant mobile deposit, there are a few things you should consider:

  • Fees: Some banks charge a fee for instant mobile deposit. Be sure to compare fees before you open an account.
  • Deposit limits: Some banks have limits on the amount of money you can deposit using your mobile app. Be sure to check the deposit limits before you open an account.
  • Account requirements: Some banks may require you to meet certain account requirements in order to use instant mobile deposit, such as having a direct deposit or maintaining a minimum balance. Be sure to check the account requirements before you open an account.
  • Mobile app: Make sure the bank you choose has a mobile app that is easy to use and offers all of the features you need, such as instant mobile deposit.

Benefits of instant mobile deposit

Instant mobile deposit offers a number of benefits, including:

  • Convenience: You can deposit checks from anywhere, at any time, without having to visit a branch or ATM.
  • Speed: Your deposit will be available in your account immediately, so you can access your funds right away.
  • Security: Mobile deposit is just as secure as traditional deposit methods.

How to use instant mobile deposit

To use instant mobile deposit, simply follow these steps:

  1. Open your bank’s mobile app.
  2. Tap the “Mobile deposit” button.
  3. Take pictures of the front and back of your check.
  4. Enter the amount of the deposit and submit.

Your deposit will be processed immediately, and the funds will be available in your account within minutes.


Instant mobile deposit is a convenient and secure way to deposit checks into your bank account. If you’re looking for a bank that offers instant mobile deposit, the 14 banks listed above are a great place to start.

Frequently Asked Questions (FAQ)

Which bank is best for mobile check deposit?

Most major banks offer mobile check deposit, but some of the most popular options include: Chime, Ally, Discover, Capital One, Bank of America, Chase and Wells Fargo.

What app will instantly cash a check?

Some popular options include: Earnin, Chime, Dave, Ingo Money and ACE Cash Express.

What bank can I open instantly online?

Several banks allow you to open an account online instantly, including: Chime, N26, Varo Money, Axos Bank, Ally, Discover and Capital One.

How can I cash a check immediately and get money?

The fastest way to cash a check immediately is to go to the bank where the check was written. You can also try cashing the check at a check-cashing store, but they typically charge high fees.

Where can I cash a cheque and get money straight away?

You can cash a cheque immediately at the bank where the cheque was written, or at a check-cashing store.

How can I cash my mobile check instantly?

Some banks and apps allow you to cash mobile checks instantly, but they typically charge high fees.

Does PayPal cash checks instantly?

PayPal does not cash checks instantly. It typically takes 3-5 business days for checks to clear through PayPal.

Are mobile checks instant?

Mobile checks are not instant. It typically takes 1-2 business days for mobile checks to clear.

How do you cash a check instantly at an ATM?

You cannot cash a check instantly at an ATM. ATMs can only deposit checks, and it takes 1-2 business days for checks to clear.