Deposit a cheque using your mobile device

Deposit a cheque from the comfort of your home or on the go with our mobile cheque deposit feature

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The perks of digital cheque deposit

Available 24/7

Take a picture of your cheque using the National Bank app from anywhere and at any time.

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Quick and with no fees

Similar to depositing a cheque at an ABM, a portion of the funds are immediately available in your account, depending on your deposit withdrawal rating (or authorized transit) assigned to your file. 

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Convenient and from a distance

No need to visit a branch! You can deposit up to $50,000 per month from the comfort of your home.

Learn more

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Approximately 80% of users who tried mobile cheque deposit were satisfied with its simplicity.

Internal study on client satisfaction - 2023

How does it work?

Deposit a cheque using the National Bank app in a few simple steps.

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Sign in to your app

Sign in to your National Bank app using your mobile phone or tablet and click the camera icon at the bottom of the screen.

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Deposit your cheque

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

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Review your deposit

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

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Need more guidance? We have a step-by-step demo to show you how it works.

Do you have other questions about digital deposits?

Why is part of my deposit frozen?

When you deposit a cheque using the National Bank app or at an ABM, a portion of the amount may be available immediately. The rest will become available in 1 to 5 business days.   

Have you installed the National Bank app yet?

Download it now to start making digital deposits and managing your finances on the go.

Need more help?

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Visit our Help centre

Find answers to your questions in the FAQ section of our Help centre.

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Write to us

Send us the details of your request and we’ll get back to you as soon as possible.

Contact us

Call us at 1-888-835-6281, Monday to Friday from 7 a.m. to 10 p.m., and weekends from 8 a.m. to 8 p.m. (ET).

Little details that matter

  • You can deposit cheques, traveller’s cheques, bank drafts and money orders.
  • You can deposit cheques into the same transaction accounts you already use at ABMs, such as chequing, savings and line of credit accounts.
  • You can deposit up to $50,000 per month.

Mobile deposits and security

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 do transactions through your online bank

You’re also covered by National Bank’s Peace of Mind guarantee.1 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! 

When to dispose of paper cheques 
Keep them until the date shown on the screen when your deposit is confirmed. 

Hold funds policy

The amount that you are allowed to withdraw immediately after depositing a cheque depends on your withdrawal rating. The remaining funds become available once your cheque clears, which can take up to seven business days.

I can’t see the mobile deposit feature in the app

If you’re unable to access this feature, make sure that you’re using the latest version of the National Bank app. After updating the app, you should see a camera icon in the lower-right corner of the screen. 

The app won’t accept my cheque 

  • 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 still can’t deposit your cheque after checking all of the points above, please visit a branch or ABM to make your deposit.

  1. 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.