Mobile Check Deposit allows you to take a picture of the front and back of your check with the HSBC Mobile Banking App and your device's camera and deposit the check into one of your eligible HSBC deposit accounts.
Who is eligible to use HSBC Mobile Check Deposit?
HSBC Bank USA, N.A. customers who have an eligible HSBC savings or checking account. You must also have a Personal Internet Banking account and have downloaded the HSBC Mobile Banking App version 1.5.5 and up.
How does HSBC Mobile Check Deposit work?
Mobile Check Deposit works by allowing you to take a picture of the front and back of your properly endorsed check with the HSBC Mobile Banking App and your device's camera. Select the account you want the check deposited into and enter the amount of the check. You then submit the transaction to HSBC through the App and we will process the check. You must then mark the original check by writing "mobile check deposit" on the front with the date and retain the check for ninety (90) days.
Is there a limit on the amount that I can deposit?
For HSBC Premier: $10,000 daily and $25,000 monthly
For HSBC Advance: $5,000 daily and $10,000 monthly
For Personal Banking: $3,000 daily and $5,000 monthly
Is there a limit on the number of checks I can deposit?
You can deposit as many checks as you would like as long as you do not exceed the daily and monthly limits.
What types of checks can I deposit?
Only checks drawn on a US institution can be deposited. You can not deposit travelers checks, or international checks.
How will I know if there is a problem with my mobile check deposit after I submit it?
If a problem arises with your deposit, such as a returned check, we'll send a written notice to your primary address by U.S. mail.
What should I do with my paper check?
You must mark the original check by writing "mobile check deposit" on the front with the date and retain the check for ninety (90) days. After 90 days you should destroy your check.
How long should I keep my paper check?
Please retain your paper check, now marked with "mobile check deposit" and the date, for 90 days.
When will my funds be available?
Checks deposited through HSBC Mobile Check Deposit before 10pm ET on a Business Day will consider that day to be the day of deposit. Deposits made after 10pm ET will be considered to be made on the next Business Day. Funds deposited may not be available for immediate withdrawal and will be made available based on the Funds Availability section of the Rules for Deposit Accounts.
How long can I see my checks in the HSBC Mobile Check Deposit history?
You can view detailed information regarding submitted mobile deposits within the HSBC Mobile Banking App. Select Check Deposit History. Futher details regarding deposits and other transactions can be viewed for up to 24 months within your Account Details on the HSBC Mobile Banking App or Personal Internet Banking.
How do I get the best image of the check?
Place the check on a dark, unreflective background/surface when taking photo - Be sure to place the check flat on the surface - Ensure all four corners of the check are visible inside the red box.
Are there fees for using HSBC Mobile Check Deposit?
HSBC does not charge to use HSBC Mobile Check Deposit. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.
Why do I not have access to Mobile Check Deposit?
Mobile Check Deposit is currently being rolled out to customers in phases. You will receive communication from us when you are eligible to sign-up. All eligible customers must download Mobile App version 1.5.5 and up in order to access Mobile Check Deposit.