Lots of banks have added a new service to send your checks to them electronically. This can save time and gas money. I suspect you can also lose a little weight by not driving by the fast food establishment before breakfast each time too.
But, even if your bank doesn’t have a formal “Remote Check Deposit” you may still be in luck.
Our bank started offering Remote Check Deposit last year, but I could never get it to work. Turns out my browser wasn’t lame enough (it wants Internet Explorer and Microsoft stopped making it for Macintosh years ago). After a quick chat with my bank representative I was told a couple of things. First, they are working on the Remote Check Deposit to make it work for all browsers. Second, I didn’t need to use it to send them a check. All I needed to do was to send them the check through a secure email.
Here is how I did it for my bank:
- Sign into bank account
- Go to the “Support” link in the upper right
- Choose “Click here to send an email”
- Attach your check files and send
Here are some generic tips on sending checks electronically:
- Scan the front and back of your signed check.
- Color is the best for readability. Sending a color PDF is optimal. NOTE: We have a NeatDesk that makes all of this a snap
- Only send your checks through a secure email form through your bank. Do NOT send through your own email program!
- Make sure your message is clear and include instructions on which account number they should post to.
- Check to make sure your checks have posted after a couple of days.
- After you scan your checks, keep them for about a month and then you can destroy them.
- Consider keeping the electronic backups in a secure place for reference.
There is a good chance your bank has a similar alternative if they don’t have “Remote Check Deposit”. Give them a call and find out. You might be saving time and money!