Deposit checks to your Mercury Business account

This article explains how to deposit checks electronically through Mercury, along with the requirements your check needs to meet before you submit it.

Mercury can’t accept checks mailed to us or our banking partners, or any electronic or non-standard checks (including eChecks, credit card checks, courtesy checks, or temporary/starter checks). Any checks sent by mail will be destroyed or returned to the sender.

Before you get started

Make sure the check is issued by a U.S bank and made out to:

The legal name or DBA of the business on file
A business owner (for business accounts) or the account holder on file

Endorsing checks

Before uploading photos, you’ll need to endorse the back of the check.

Write your business name and “For mobile deposit only” underneath your signature. Use blue or black ink — pencil isn’t accepted. If you use a stamp, that’s fine as long as it includes the required endorsement text.

Missing or incorrect endorsements are a common reason check deposits are rejected.

Depositing from your dashboard

In the upper right corner of your dashboard, click Move Money > Deposit and select Check Deposit as the method. Follow the prompts to upload check photos and submit your deposit.

If you're running into a deposit limit, you can request an increase by following the steps outlined here.

Depositing from the Mercury mobile app

Tap the double arrow icon in the bottom panel of your iOS or Android app and select Deposit. Follow the prompts to upload photos and submit your deposit.

Taking photos of your checks

Successful deposits rely on check images that are clear and legible. Here are our requirements:

Upload clear photos: Ensure both the front and back of your check images are clear, with all account information legible. Photos must be of the actual check, not a photo of a check image from a computer screen or another secondary source
Background matters: Take the photos on a solid, dark, and non-reflective background. Avoid wood or busy backgrounds, as they can lead to poor image quality
Flat surfaces only: In addition to solid backgrounds, ensure the check is completely flat. Do not take photos with the check in your hands or on your lap
Lighting and focus: Capture the photos in a well-lit area, ensuring no shadows are cast on the check. Use a clean camera lens and avoid zooming in to maintain clarity
Remove pay stubs: If your check has a pay stub or letter attached, remove them before taking photos

When to expect funds

Checks are manually reviewed and once approved can take up to 5 business days to post. You may notice that funds have settled on the 6th business day if the check was submitted after our 12pm Pacific cutoff time.

Please keep the check for at least a week to make sure it clears without issue.

Mercury is a fintech company, not an FDIC insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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