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Can I deposit a check to my Found account?

How do I deposit a check to my Found account?

Eligible users can deposit a check made out to their name or their business's name using the Found mobile app by following these steps:

  1. Tap Add Money.

  2. Choose Deposit a check.

  3. Take an image of the front and back of the check. Be sure that the image is clear and in focus.

  4. Enter the check account.

  5. Select whether the name on the check is your personal or business name.

  6. Select whether the deposit type is either Income or Funding.

  7. Once you’ve reviewed all the details, tap Complete deposit

Funds from check deposits will typically be available after 5 business days. Terms apply.

FAQs

How do I know if I’m eligible to deposit checks? 

You can check your eligibility for check deposits directly in your Found app. If you are eligible, you’ll be able to select Deposit a check from the Add Money button and submit a check deposit. 

If you are not yet eligible, you’ll be able to select Deposit a check from the Add Money button to view the requirements to gain access to deposit checks. If you’ve met all of the listed requirements, you’ll be able to request access once you’ve also completed the identity verification step.

If your request requires any additional review, you’ll be notified of a decision on that review within a few business days. 

How long will I have to wait to receive the funds from a deposited check? 

Check deposit funds will typically be available after 5 business days. This time helps us ensure the check clears and allows us to accept more checks through our app. Unfortunately, we are unable to adjust this timing for individual checks or accounts.

The funds availability date is shown during the check submission process. You can also view the availability date if you view the check deposit entry in your Found activity list. 

Is there a limit to the amount I can deposit via check? 

Yes. If eligible, you can deposit up to $3,000 per week via check. 

Can I increase my check deposit limit? 

No, this limit cannot be increased.

What’s the difference between selecting Income or Funding for the check deposit type? 

When a check is marked as Income, you’re letting Found know that this is business income. We’ll include this amount in your tax documents, income reports, and will set aside a portion of the funds into your Tax account for estimated taxes.

When a check is marked as Funding, you’re letting Found know that these are personal funds that shouldn’t be considered business income. If marked as Funding, your check will not be considered when calculating or saving for your estimated taxes.

I’m having trouble submitting my check, what should I do? 

  • Remember to endorse the back of your check using ink.

  • Separate your check from other paper and place it on a solid dark background. 

  • Use good lighting. 

  • Make sure all 4 corners of the check are visible in the photo. 

  • Make sure your camera focuses on the check. 

  • Smooth out any wrinkles or creases in the check. 

Can I deposit any check type? 

The following check types are not eligible for Mobile Check Deposit:

  • U.S. Treasury checks

  • Cashier’s, Certified, Teller’s and Traveler’s checks

  • Federal Reserve Bank and Federal Home Loan Bank checks

  • Money Orders

  • State or local government checks

Can I deposit a check when I login on a computer at Found.com?

No. Eligible users can only submit a check deposit through their Found mobile app. 

Can I send a check from my Found account?

No. Found does not currently support sending checks or checkbooks.

Can I mail a check to Found for deposit?

No. Found does not accept checks, money orders, warrants, or any other similar form of payment sent to our mailing address. Any checks mailed to our office will be shredded and cannot be returned.

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*Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category.

The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc.

The information on this website is not intended to provide, and should not be relied on, for tax advice.

**Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

Found partners with various providers to enable you to compare offers from participating institutions, such as lending, filing service, and insurance providers. Found is not a lender, a filing service, nor an insurance provider.