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Cash App Mobile Check Deposit: What Is It? How Does it Work

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Cash App mobile check deposit is a long-awaited feature 

In this digital time and age, payment through a paper check is on the decline and online payments are on rising like never before. But, amid of huge rise of internet-based payments, paper checks are still considered an important part of our overall economic system. And this fact has not gone unnoticed by many money transfer companies. As a result, many payment apps let the users deposit a paper check into their wallets. But, the million-dollar question is: Does Cash App have a mobile check deposit feature? If the answer is yes! How to enable Cash App mobile check deposit feature?

You might have a lot of questions about the Cash App mobile check deposit feature. Not an issue, we are more than happy to answer all of your questions. You can contact us and ask as many questions as you want. Else, you can scroll down and clear your basic doubts.

Can I deposit a check on Cash App?

Let's put first thing first. Before everything else, I want to clarify the difference between electronic checks and paper check deposit on Cash App. Take it on a serious note that there are two ways to cash a check. One is electronic and the second is the manual way.

As the name suggests, in the electronic way of check deposit on Cash App, all you need is just to share your Cash App routing number, Cash App bank name, and account number with your employer, IRS, or any other payment issuer. This method of check encashment doesn’t take more than 2 days.

On the other hand, the traditional way is a slower and longer way to deposit a check. But, with the mobile check deposit feature, you can cut short the check processing time and avoid the need of visiting the bank. The mobile check deposit feature prompts users to sign the backside of a check and take a photo of the check's both sides. And finally, upload it to your payment app (if your payment has this feature).

Now let's come back to our main concern: can you deposit a check on Cash App? If you want to deposit an electronic check using routing and bank account number of Cash App then yes it is possible. But, if your concern is about depositing a paper check on Cash App then the answer is- No. Here below is more explanation about it.

Does Cash App have photo mobile check deposit feature?

Cash App does have guidelines about mobile photo check deposit services but it does not have this feature. It means that both verified and unverified Cash App users can't deposit a paper check into their Cash App. Though cashapp users can deposit electronic checks using Cash App routing number and bank details with ease of mind. And that too without being charged.

How do I enable mobile check deposit on my Cash App?

Cash App mobile check deposit feature is also known as Cash App direct deposit. For people who don't know about the direct deposit feature on Cash App, here is a quick introduction to it.

As the name indicates, Cash App direct deposit is a direct way to get paid. Direct deposit is the best alternative to the paper check payment. It is a fast, safe, and reliable method to receive your monthly salary, stimulus check, tax refunds, interest, pensions, and regular funds. Most importantly, direct deposit on Cash App is a free feature and simple to set up and use.

If you want to stay stress-free about your stimulus and payroll checks, you must enable Cash App direct deposit without any second. These are the steps:

  • Open your Cash App mobile and choose the banking tab.
  • You can find the banking tab on the far left corner of the screen on the bottom side.
  • Now tap Deposit and Transfers and press the copy details tab (routing number and account number).
  • Share the copied details with your employer, IRS, or any payment check issuer.
  • Now go one step back and select get direct deposit form.  
  • Enter details all about your employer or company where you work.
  • Now do follow the instruction as mentioned on the Cash App direct deposit.
  • Once you complete the form, upload it right away.

Keep in Mind: Only those Cash App users who have an activated Cash App card only they can enable direct deposit.

How to deposit a check into Cash App (Stimulus & Payroll checks)?

If you are going to receive a stimulus check from IRS or any other federal agency, you need to make sure that the direct deposit feature on your Cash App is enabled already. Then all you need to do is just navigate to the IRS portal and share your details. In the case of paychecks, only enabling direct deposit and uploading a form will be enough as I have mentioned above. There is no additional thing that you need to do.

Final Say

In short, we can say that the absence of Cash App mobile check deposit feature can be a major turn-off for many users. Hopefully, Cash App will shortly introduce this feature to its mobile application and simplify the mobile paper check deposit procedure. Meanwhile, with Cash App direct deposit, you can manage your most of paychecks.

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I have been using Cash App for the past few years. In this blog, I help Cash App Users with their Problems and Offer Troubleshoot solutions on everything Cash App-related Problems.

Disclaimer: The intention of using trademarks, images, logos, and brand name is for information and referral only and not intended to act as Cash App representatives. We do not provide any service and are not Cash App representatives. This is just an educational blog run by a long-time Cash App user and a lover of the app and its service.