Deposit checks in a snap.

Deposit checks1,2 right into your Schwab Bank or Schwab Brokerage and IRA accounts3 using your Android™ device, iPhone® or iPad®. Available through our Schwab Mobile app.

Download the app now.

Download on the Apple Store Get it on Google Play

A mobile phone on a wooden background with an example of a mobile deposit

Benefits of mobile deposit

  • Checkbox icon

    Deposit anytime, anywhere.

    Save time by skipping the trip to a Schwab branch or the post office to make a deposit.

  • speed gauge icon

    Move money in real-time.

    Your deposit will typically be processed the same business day (when submitted before our deposit cutoff time4).5

  • Secure icon

    Your data is protected.

    The same strict security measures you rely on at, including multiple security layers and encryption technology.

Video: Schwab mobile deposit

Schwab Mobile Deposit™

How to deposit checks using our mobile app.

Opens in popupRead transcriptfor Schwab Mobile Deposit™

VO:     Schwab Mobile Deposit is the quick and easy way for Schwab account holders to deposit checks from anywhere using a mobile device. It uses the same strict security measures you rely on at and is available for Schwab Bank or Schwab Brokerage and IRA accounts.

VO:     To get started, you'll need the Schwab Mobile app. If you don't already have it, you can download the app from the app store on your mobile device. 

VO:     Schwab Mobile Deposit is built right into the app. So after you log in, simply tap "Deposit Check" from the home screen. 

VO: If you haven't already, you will need to accept the terms and conditions for access to all the features in the app. 

VO: If you have multiple accounts, choose the appropriate one and enter the amount of the deposit. 

VO:     After endorsing the back of your check, use your mobile device to take a picture of both sides of the check, making sure:

  • The check is in focus and within the guidelines…
  • The area is well-lit and there are no shadows covering the check…
  • And the check isn’t overly wrinkled or folded.

VO:     Tap "Review Deposit" to ensure everything is accurate and then tap "Deposit."

VO:     A processing message will show your deposit being transmitted to Schwab. When it’s complete you will receive a "Deposit Acknowledgement," confirming receipt of your check images and deposit information.

VO:     We'll take care of the rest and let you know when your check is posted to your account, but you can always check on the progress of a deposit in the "Deposit Status" tab of the app.

VO:     Schwab Mobile Deposit makes depositing a check quick and easy, while using our latest online security measures. Download the latest version of the Schwab Mobile app today. 


Requires a wireless signal or mobile connection. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. Functionality may vary by operating system and/or device. 

The Schwab Mobile Deposit service is subject to certain eligibility requirements, limitations, and other conditions. Enrollment is not guaranteed. Standard hold policies apply. Requires a wireless signal or mobile connection.

The Schwab Mobile Deposit Service is available to the following accounts: Schwab Bank High Yield Investor Checking®, Schwab Bank High Yield Investor Savings® (only if client also has a brokerage account), Schwab One®, Schwab One International®, Schwab Brokerage, and Schwab IRA. 

View IRA Center for the IRA contribution guidelines and rules.

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID and Apple Watch are trademarks of Apple Inc. 

Android and Google Play are trademarks of Google Inc. Use of these trademarks are subject to Google Permissions. 

Charles Schwab & Co., Inc. and Charles Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., member SIPC. Deposit and lending products and services are offered by Schwab Bank, member FDIC and an Equal Housing Lender.

©2018 Charles Schwab & Co., Inc, All rights reserved. Unauthorized access is prohibited. Usage will be monitored. ELC87565-00


See how it works.

See how fast and easy it is to make deposits through the app.

Your step-by-step guide.

  • Step

    Open the app.

    Schwab Mobile Deposit is available in our Schwab Mobile app. Don't have the app? Get it for Android, iPhone®, and iPad®.

  • Step

    Tap "Deposit".

    From the summary screen, tap the button labeled "Deposit", and select which account to deposit to.

  • Step

    Snap photos.

    Enter the amount and take photos of the front and back of your check. Don't forget to sign the check.

  • Step

    Review and deposit.

    Review the information and then submit by tapping "Deposit". You can check the status of the deposit in the app, and you'll receive an email when it is complete.

Common questions

What Schwab accounts are eligible?
Do I need to be a Schwab Mobile customer to use the Schwab Mobile Deposit service?
Who is eligible for this feature?
What types of check can I deposit?
When will my mobile deposit be available?
Is there a limit to how much money I can deposit using this service?
What should I do with my paper check after using Mobile Deposit?
How will I know if there's a problem with my mobile deposit?
Can I deposit multiple checks during the same session?

  • Download the app now.

    Available for AndroidTM device, iPhone, iPad, or Apple WatchTM.

    Download on the Apple Store   Get it on Google Play

    You can even open your new Schwab account right in the app.