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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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My bank/credit union lets me scan checks at home or on my phone. What is this?

Answer:

This is a process called “remote deposit capture.” You scan or take a picture of the check, and the picture is sent to your bank or credit union for processing.

Using remote deposit capture can be convenient, but it may take longer than usual for processing the deposit, delaying when you can access your money.

The scan will capture the specific number on the check so that it can be identified on your statement. You can hold on to the check for your records, but don’t use it to make another payment, even to the same merchant, because your bank or credit union may reject it.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

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