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My bank requires me to write the following on the back of a cheque before I can use their mobile app to send it over to them:

For mobile deposit at XYZ bank only

I am very worried that once I write these words if, for some reason, they are unable to process the cheque or, due to some technical glitch, I am unable to use the mobile app to upload it, my cheque would be rendered worthless as no other bank would accept it once these words are written at the back. Is this a reasonable concern and would might one do under these circumstances?

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  • Does the bank have physical branches and is tied to the same account OR are you using an online only bank? Mar 29 '20 at 21:41
  • Worth verifying: does the app actually reject the deposit if you don't write that?
    – chepner
    Mar 29 '20 at 22:36
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    I also wonder if they can even tell if the back image even is an image of the back of the same check. Any piece of paper with your endorsement might work. (Not that I recommend trying it; it's probably not worth finding out if this would be construed as a form of fraud.)
    – chepner
    Mar 29 '20 at 22:39
  • It is generally a recommendation, so if somebody picks that check out of your trash, he can't deposit it at another bank again. Most banks don't care what you write there; I have been ignoring it since the day mobile deposit was offered.
    – Aganju
    Mar 29 '20 at 23:35
  • @MorrisonChang it does have physical branches but I am overseas so my only other option would be to physically mail the cheque to them. Perhaps physically mailing the cheque is safer? Mar 30 '20 at 7:39

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