By  Updated on Thu Jul 17, 2014

SunTrust Debuts Mobile Check Deposit

SunTrust Debuts Mobile Check Deposit

nadbasher / Flickr source

SunTrust Bank unveiled its mobile check deposit feature for smartphones this week. Customers can now deposit a check through an iPhone or Android device without trekking to a SunTrust branch or ATM.

The feature has been at the top of the SunTrust customers’ “most wanted” list, the bank said earlier this year. SunTrust aimed to release mobile deposit in the third quarter of this year.

SunTrust Debuts Mobile Check Deposit

After downloading the latest update to SunTrust’s mobile banking applications, customers will find a new tab to access the mobile deposit feature. Customers have to take photos of the front and back sides of an endorsed check to make the deposit.

According to a SunTrust customer representative, customers with accounts for less than six months are subject to a $500 maximum per deposit and a $1,500 limit in total deposits per month. For customers with accounts for six months or more, the limits increase to $1,000 and $3,000, respectively.

Accounts that have three or more returned items in the past 90 days are ineligible for mobile deposit. The cut-off time to have mobile deposits available during the next business day is 9 p.m. Eastern time (8 p.m. Central time).

Because of the demand for the feature, it’s no surprise that it was well-received by customers.

“Mobile check deposit is awesome!! That feature alone makes this app a must-have,” said reviewer “ R4M0N” in the Google Play store. “A little late, but finally able to deposit checks via the app! Thanks!” wrote “Dolfan3033” in the Apple App Store.

USAA Bank was the first bank to pioneer mobile check deposits in 2009. Since then, consumers have called for this feature from their banks — many have switched banks for mobile deposit. SunTrust joins a handful of big banks that currently offer mobile deposits.

SunTrust Bank is the ninth-largest retail U.S. bank by deposits.

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  • UnImpressed

    $1000 limit per deposit is way too low. Fidelity’s limit is $10000. Up the limit, please.

  • Fred S

    SunTrust bank is ghetto with low limits and absurd fees. Switching was the best move I made.

  • Not that helpful, limit too lo

    Just tried my first deposit using the app. Didn’t work because the limit is so low. I wouldn’t mind if the money is not available for a few more days if the amount is greater than $1,000, I just don’t want to make a trip to the bank if I don’t need to. C’mon suntrust. Time for the next baby step.

  • Bevish

    Limit is too low to be useful. Up the limit please.

  • Doesn’t work for me

    Tried over and over to upload the checks pictures to SunTrust. My account is in good standing, checks were within the limitations but each and every time, message was checks could not be read.. I could see every number and letter fine in the picture I took so I take it that the app is useless at least to me.. another reason to find another bank.

  • Richard Coker

    What a joke! Really a whole $500/$1500 to start and then $1,000/$3,000. maximums? What a joke. Looking for someplace to take my Business and Personal accounts but certainly wouldn’t want a bank with those kind of limits. Maybe Suntrust just doesn’t have the assets to support higher limits?? Guess I’ll stick with the bigger banks.

  • Richard Coker

    Check out BOA, I think business account is limited to $50K a month and my personal to $25K each month and 9 times of 10 it takes my photos/scans the first time. Very pleased.