Depositing a cheque using Mobile Deposit

Use your device simply by taking its picture

Mobile Deposit is a feature of the BlueShore Mobile Banking app that allows you to conveniently, quickly and securely deposit Canadian cheques on your iPhone®, iPad® or Android™ device simply by taking its picture.

You’ll save a trip to the branch or ATM, and you’ll have your funds sooner.

Depositing a cheque

Depositing a cheque is quite simple. Once logged in to Mobile Banking:

• Tap Deposit and when prompted, select the account into which you’d like to place the funds and enter the amount of the cheque
• Sign and write "For deposit only" on the back of the cheque.
• Tap Take Photo and take a photo of the front and back of the cheque (ensure the cheque is well lit and centered in the frame).
• Click Confirm.
• After you deposit the cheque, write "Deposited" with the date on the front and keep it in a safe place. This will remind you it has been deposited and prevent potential duplication. (If you do deposit it twice, we will detect the duplicate, will make the appropriate adjustment and inform you.)
• Check to ensure the deposit was made correctly. If you see any errors or omissions, please bring the original cheque to the nearest BlueShore Financial branch.
• Destroy the cheque 30 days after the deposit.

Availability of funds

You'll be able to see your deposit in your account immediately after you complete the mobile deposit, but the amount of your cheque won't necessarily be included in your available balance at that time. Access to your funds is the same as if you had completed the cheque deposit at an ATM; holds may apply. When a cheque is held, some or all of the deposited funds are not available to you for a certain number of days.

Cheque limits

A cheque cannot exceed $100,000 and there is a maximum daily amount of $100,000 if you are depositing multiple cheques. If you have a business account, please be aware of your monthly free transaction limit associated with your account and the cheque deposit fee if you exceed that limit.

There are no limits on the number of cheques you can deposit, only the maximum amount.

Type of cheques that can be deposited

You can deposit personal and/or business cheques payable in Canadian dollars drawn on any Canadian financial institution. The cheque needs to be payable to, and endorsed by, the account holder. Money orders and bank drafts can also be deposited using Mobile Deposit.

Fees

There is no fee to use Mobile Deposit. Depending on your account plan, there may be a fee associated with making a deposit – this would apply whether the deposit was made using an ATM, Mobile Deposit or in-branch. Data usage fees may apply from your wireless carrier.

Safe and secure

This feature is part of the Mobile Banking app, which means that it (along with all Mobile Banking transactions) is highly protected. Mobile Deposit cheque images are never stored on your device; they are purged after the transaction is complete to prevent access to personal information if the device is lost or stolen.

Public and free Wi-Fi connections should never be used for any banking transaction; for enhanced security we recommend that you use your carrier’s Internet connection.

Talk to us

If you have any questions about using the Mobile Banking app, please call us at 604.982.8000 (toll-free 1.888.713.6728), send us a message, or visit a local branch.