The amount of time it takes for a check to deposit into your Cash App account can vary depending on a few factors. Here’s a quick rundown of what impacts check deposit times on Cash App and how long it typically takes.
How Cash App Check Deposits Work
With Cash App’s check deposit feature, you can deposit both personal checks and certain types of business checks into your Cash App balance by snapping photos of the front and back of the check. Here’s the basic process:
- Open the Cash App app and tap the Banking tab.
- Tap “Deposit” and select “Deposit Check.”
- Enter the check amount and take pictures of the front and back of the endorsed check.
- Review the images and submit the deposit.
Once you submit the deposit, Cash App will review the check images and verify the details. As long as everything looks good, the funds from the check will then be added to your Cash App balance after a period of time.
Deposit Review Time
The first step that impacts check deposit timing is Cash App’s review process. After you submit check photos through the app, Cash App will review the images to verify details like:
- The check is properly endorsed
- The check images are clear and readable
- The check details like amount, date, and signature match what you entered
- The check meets eligibility requirements
Cash App states this review takes approximately 1 business day. However, it may be shorter or longer in some cases depending on factors like check volumes. You’ll receive a notification when your deposit has completed this review step.
Check Clearing Time
The next step is for the check to actually clear. This is the time it takes for the check funds to process through the check writer’s bank and become available. Cash App states it can take up to 5 business days for checks under $1000 to clear and 10 business days for checks over $1000 after the review is completed. Some key things that impact clearing times include:
- The bank the check is drawn on – Banks have different clearing policies that impact funding availability.
- Check amount – Larger checks often take longer to clear.
- New Cash App account – There may be longer holds for new accounts.
- Potential issues – Any potential processing issues could extend the clearing timeline.
Availability Timeline Examples
Generally, you can expect the check deposit funds on Cash App within the timeframes below after the check images are submitted:
| Check Amount | Review Complete | Funds Available |
|---|---|---|
| $500 check | 1 business day | 6 business days |
| $2,500 check | 1 business day | 11 business days |
So for a $500 check, you should expect the funds within about 1 week after submitting the deposit. For a $2,500 check, expect around 2 weeks for availability.
Speeding Up the Process
There are a couple things you can do to potentially speed up check deposit availability:
- Deposit earlier in the day – Submissions before 2 PM PT get counted as “submitted today.”
- Use a bank-issued check – Check writers’ bank checks may clear faster.
- Ask the check writer to notify their bank – They can request faster processing.
But keep in mind, even using these tips, funds availability is still at the discretion of the check issuing bank.
Check Deposit Status
Within the Cash App app, you can view the status of your pending check deposit at any time. Just go to your activity tab and you’ll see the status as:
- Submitted – Check images submitted, under review
- Accepted – Review complete, check now clearing
- Completed – Funds available in your Cash App balance
This helps you track where your deposit is in the process so you know when to expect the money.
Issues or Delays
In some cases, your check deposit may run into issues that extend the time for funds to become available. Some examples include:
- Errors like incorrect check amounts or blurry photos
- Suspected fraud with the check
- Problems processing or clearing the check
If there are any issues with your deposit, Cash App will notify you by email or in-app message. You may need to resubmit documentation or correct any errors that are holding up the deposit process.
Conclusion
Cash App generally makes funds available within 1 week for checks under $1000 and 2 weeks for larger checks. But processing times can vary based on factors like the specific check, your account history, and potential processing issues. Be sure to submit clear check photos in the app and track your deposit status to understand the expected availability. Reach out to Cash App support if your deposit is delayed beyond the standard timeline.
