For a check deposit, the check must be made payable to the program's legal name. Checks can only be deposited from a mobile device.
How to make a Mobile Deposit
You can click the link below to watch an instructional video on how to make a mobile deposit, or you can follow the step-by-step instructions below!
Step-by-step instructions
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Sign in to your Snap! Spend account on a mobile browser.
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Click the blue icon in the bottom left-hand corner.
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Select Deposit.
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Enter the check amount.
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Make sure the amount entered matches the amount on your check. Note: Check the daily deposit limit on the mobile deposit form to make sure the check amount can be accepted.
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Endorse the back of the check with "For mobile deposit only at Thread Bank" and your signature.
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Turn your phone sideways, and read the onscreen prompts to ensure the check can be captured correctly.
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Tap I'm ready to capture.
For best results:
- Use a mobile device or smartphone
- Place the check on a dark, plain surface with good lighting
- Position the camera directly over the check (not angled)
- Center the check on the screen and be sure all four corners are visible on your screen
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Make sure your deposit information is correct, and then select Deposit.
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You’ll get an on-screen confirmation that your mobile deposit has been recorded. You will be able to see it under Pending Transactions with the status of Processing.
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After your deposit, we recommend keeping the check secure for 5 days before tearing it up.
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Once the deposit has settled, the transaction will appear in the Settled Transactions section.
Additional Notes
Ineligible Checks
Checks may not be accepted if they are:
- in a currency other than US Dollars
- payable to someone other than the end customer
- savings bonds or traveler's checks
- have already been deposited
- not readable
- checks without a date, have been post-dated, or are more than 6 months old
Mobile Deposit Limits
Yes, you can only deposit an amount that is equal to or under the daily deposit limit as listed in the mobile deposit form.
Cut Off Times
Your check image must be received by 3:00 pm PST to be considered deposited on the same day. Any check image received by us after 3:00 pm PST will be considered as deposited in the following business day.
Funds Availability
Once you have submitted a deposit, your funds will be available within 5-7 business days.
Still have questions or need help? Please reach out to us directly at spend.support@onsnap.com or by phone at 276-531-9260.
Snap! Spend is a financial technology company and is not a bank. Banking services provided by Thread Bank; Member FDIC. The Snap! Spend Visa Debit is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted.
Your deposits qualify for up to a maximum of $2,500,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity.
You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program.