Click! 

Deposit a cheque with your mobile device

Because your time matters, deposit your cheques in seconds whenever you are.

Download the app  Watch the demo

A photo of someone in their kitchen using the digital cheque deposit feature in the National Bank app on their smartphone.

Getting started

What is digital cheque deposit?

It's an easy way to deposit a cheque wherever you are. Simply take a photo of the front and back of your cheque with the National Bank app on your smartphone or tablet to make a secure deposit within seconds. 

A simple act with a big impact

Benefits that make your life easier

  • Deposit your cheques, drafts and money orders in Canadian dollars 1 anytime, anywhere.
  • Use the step-by-step guide in the mobile app for photo tips and instant confirmation.
  • Enjoy the same trusted security for mobile deposits as you do for your online transactions.
  • Experience the same processing times and hold periods as ABM deposits.
  • Skip the branch queues and spend time on what truly matters.

At a glance

Essential points to keep in mind

100% digital

No trips or postage required.

2 photos

The front, the back and your cheque is deposited.

24/7

The service is available anytime, anywhere.

$50,000

The monthly amount you can deposit via your mobile app.

How to deposit a cheque with your mobile phone

Number 1 in a cirlce to represent the first step

Sign in

Sign in to the National Bank app and click on Transfers at the bottom of the screen, then Deposit a cheque.

Number 2 in a cirlce to represent the second step

Take a photo of your cheque

Enter the amount of your cheque, then take a photo of the front followed by the back.

Number 3 in a cirlce to represent the third step

Review your deposit

Select the account where you want to deposit the funds. Verify the transaction details, and you’re done!

Ready to get started?

Download the mobile app

Make your first digital deposit now and manage your finances on the go with the National Bank app.

'' ''

Need more guidance?

We have a step-by-step demo to show you how it works.

Watch the demo

FAQ

More frequently asked questions about digital cheque deposits

When you deposit a cheque, a portion of the amount may be available instantly. The rest is held for a certain period.

The available amount and the duration of the hold depend on the conditions of your account. Here is an example of processing times at National Bank with a basic deposit withdrawal rating for cheque deposits:

From a web browser:

  • Sign in to your online bank.
  • Click on your account.
  • The balance will appear under Available balance.

In the app:

  • Sign in to the National Bank app.
  • Click on your account, then select the tab Details.
  • The balance will appear under Available balance.

No, foreign currency cheques cannot be deposited digitally. Only cheques in Canadian dollars issued by a Canadian financial institution are accepted.

Once your cheque has been deposited using the National Bank app, you don’t need to mail it or bring it to a branch. Simply keep the paper cheque for 15 days after your digital deposit, then destroy it.

When your cheque is deposited, you will have access to a predetermined amount based on your situation. The remaining amount will be available once your cheque is processed, which could take up to 8 business days. For more information, please refer to our access to funds policy.

  • First, make sure that you follow the deposit instructions shown on the camera screen.
  • If your cheque is folded, crumpled, or torn, the app may not be able to read it.
  • If your cheque is not from a Canadian institution, please visit a branch to deposit it.
  • If you’ve exceeded the monthly limit for mobile deposits ($50,000), please visit a branch to deposit your cheque.

If you’re still having problems, go to an ABM or a branch to deposit it.

No paper, no delay

Discover instant deposits

Autodeposit via Interac e-Transfer®

You can access Interac e-Transfer funds instantly without needing to connect or answer a security question.

Discover how

Direct deposit of government payments

Register today to receive government benefits, credits, and payments quickly and securely, directly into the account of your choice.

Learn more

Little details that matter

National Bank has online fraud prevention measures in place that meet industry standards. In addition to taking the usual precautions, we use various systems and methods to make sure your personal information remains confidential when you carry out transactions through your online bank.  

You’re also covered by National Bank’s Peace of Mind guarantee. 2 In the unlikely event that fraud is committed via your online bank, any losses will be reimbursed to you in full, as long as you’re not at fault. It’s guaranteed and it’s free!

  1. Only cheques, drafts and money orders in Canadian dollar issued by Canadian financial institutions are accepted.
  2. The Peace of Mind Guarantee for your online bank and the National Bank app applies to clients who, upon checking, discover that they have been a victim of fraud and agree to cooperate in the investigation into this fraud. This guarantee applies only to unauthorized transactions carried out through your online bank or the mobile app and covers only the amounts lost as a direct result of those transactions. The Peace of Mind Guarantee for your online bank and the mobile app applies to those clients who have been the victims of fraud even though they had protected their access numbers, passwords and equipment, and who cooperate with the fraud-related investigation. While carrying out online banking transactions, each client must take the measures necessary to ensure the security of those transactions and has the obligation to promptly inform National Bank if they believe they’ve been the victim of fraud.

™App Store is a trademark of Apple Inc. registered in the U.S. and other countries. Apple Inc. is not a sponsor or participant of National Bank Mobile Banking Solutions.

™Google Play is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

®Interac e-Transfer and Interac are registered trademarks of Interac Inc. Used under license.