Deposit checks anytime, anywhere with mobile deposit

Skip the trip to the bank and deposit checks on your phone with the Varo Bank app.
two phones with varo app
person holding phone with varo bank app

Take the work out of depositing checks

With mobile deposit, you can deposit checks 24/7 from wherever you are. All you have to do is take a picture of the front and back of your check with your smartphone and upload it in the Varo Bank app. Whether you’re on-the-go, or just don’t feel like leaving the couch, mobile deposit is the most convenient way to deposit paper checks.

How mobile check deposit with Varo works

Before you deposit your check, make sure:

Limits are set based on how long your Bank Account has been open and your prior account activity.

Ready to deposit?
Let’s do it.

  1. Endorse the check. Make sure to use a pen, not a pencil.
    1. Line 1: Sign the back. If you are depositing a government check made out to multiple payees, be sure to have all parties sign.
    2. Line 2: Write “For mobile deposit”
    3. Line 3: Write “at Varo Bank only”.
  2. Follow the steps in the app to take photos of the front and back of the check.
  3. When you’re done, review the confirmation screen. If everything looks good, tap Submit check.
  4. You’ll get an email with the subject line “We got your mobile deposit”.
  5. When we’re done reviewing the check, we’ll send you another email telling you if your check was approved. If it was, you’ll also get a date of when your deposit will be available.
  6. Keep the check for 60 days, then you can get rid of it.
  7. Check the status of your deposit in the app by tapping Move Money > Mobile Check Deposit > Check History, then tap the deposit you’re checking on.
phone with varo card

Mobile deposit FAQ

What is mobile deposit?

Mobile check deposit is a way to deposit checks remotely using your mobile device. No more unnecessary trips to the bank.

How does mobile deposit work?

Take a picture of the front and back of your check to deposit it through our mobile app, then our team reviews your check.

Is mobile deposit safe?

Yes, mobile deposit is a safe and secure alternative to depositing checks at the bank.

Are there limits for mobile check deposit?

Yes, there are deposit limits based on how long your Bank Account has been open and your prior account activity. Before you deposit your check, take a look at your limit on the app screen below “Amount.”

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