With Truist‘s mobile banking app, customers may use their phones as check depositories.
The mobile deposit option on Truist may be convenient, although customers have reported occasional problems. In this post, we’ll take a look at some of the most frequent issues that might prevent you from making a mobile deposit with Truist and provide some solutions to get you back on track.
Why is my Truist mobile deposit not working?
Short Answer: Truist mobile deposit is not working because the check is not endorsed, there are internet issues, there is a server outage, the check is more than the deposit limit, there is a glitch in the app or the check has been drawn on a financial institution located outside of the US.
1. Check not endorsed
A check’s endorsement verifies to the bank that it has been officially transferred to the payee. Just signing your name on the back of the cheque is called an endorsement.
When you deposit money into a bank account, you will be asked to endorse checks in hopes of preventing fraudulent activity. Hence, the mobile deposit will fail if the check is not properly endorsed.
2. Internet problems
Truist mobile deposit might fail in the event of a poor internet connection. It will be difficult to upload the image of the check if your internet connection is slow. A smooth mobile deposit procedure starts with a solid internet connection.
3. Server failure
The server being down is another potential cause of this problem. Maintenance, repairs, or a sudden spike in application use may all lead to temporary server inaccessibility. Until the server is back up, there isn’t much you can do.
4. Deposit Cap
The deposit amount and the number of deposits you may make in a day are both subject to limits. When a check’s amount exceeds the maximum allowed, the transaction is declined.
Signing onto the app will show your individual deposit limits for checks. Before submitting, please verify that you have read and understand any restrictions that may apply.
5. Check drawn outside the United States
In addition, the check cannot be deposited through mobile banking if it is drawn on a financial institution outside of the United States. Be sure the cheque you’re attempting to deposit was drawn on a banking institution that is physically based in the United States.
6. Glitch in the app
This problem can potentially have been brought on by a glitch in the application. The glitch in the app might have been caused for different reasons, including cache that has not been cleared or an older version of the software. Make sure you’ve got the most recent version of the program installed, or otherwise clear the cache to fix the problem.
Fix: Truist mobile deposit not working
Method 1: Hold off until the server is back up.
You can’t always blame yourself when the bank rejects your payment. You should call the bank immediately when you detect an app outage.
This will get them to start working on fixing the app so that you may deposit your check as soon as possible. To wait until the Truist team fixes the problem or the Truist server comes back up is your only option.
Method 2: Upgrade the application
While using Truist mobile deposit, it’s possible that problems might arise if you’re using an old app version. Verify that you’re running the most recent version of the Truist app. Verify your device’s app store (either Google Play or the Apple App Store) for updates, and install them if possible.
Method 3: Delete the Cache
Deleting app cache is a common method that has proven effective in fixing app problems. Clearing cache is as simple as this:
iPhone:
- Step 1: Head over to Settings.
- Step 2: Go to General.
- Step 3: Go to iPhone Storage.
- Step 4: Choose the Truist app.
- Step 5: Finally, choose OFFLOAD data.
- Step 6: Reinstall the app.
Android:
- Step 1: Navigate to Settings.
- Step 2: Locate the Truist app.
- Step 3: Choose the app.
- Step 4: Choose the Clean Cache option.
Method 4: Verify that you have a stable internet
There may be issues with using Truist mobile deposit if your internet connection is poor. To successfully deposit a check, your device must be connected to the internet at all times.
Switching from your mobile data to Wi-Fi nad vice versa might help you determine whether the problem is with your connection. It’s possible that the connection problems you’re experiencing are the result of an issue with your router. Hence, try resetting the router to determine if it solves the connection problem.
Method 5: Verify that you are eligible to make a mobile deposit.
Although Truist offers a convenient mobile deposit option, there are certain rules you must follow. Verify that you are adhering to these rules, such as signing the back of (endorsing) your check correctly, capturing an image of the check in good light, and meeting the check eligibility requirements laid down by Truist.
Conclusion
Mobile deposits from a reliable source might simplify your financial life. Yet sometimes, problems could occur. You may easily fix any issues you’re having with Truist mobile deposit by following the steps outlined in this article. If none of the above solutions work, however, you can always reach out to Truist Bank’s support team for more assistance.