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Note: Mobile check deposit is rolling out slowly to a limited number of users. If you don’t see Deposit check in the app and would like access, contact us to join the waitlist. You can deposit a paper check into your Karat checking account from the Karat iOS app. Take photos of the front and back of the check, then submit the deposit. There is no fee. Funds may take up to 7 business days to become available, including the time Karat takes to review your deposit.

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Before you start

  • Use the Karat iOS app. Check deposit isn’t available on the web dashboard.
  • Update the app. Make sure you have the latest version of the Karat app.
  • Verify your user role. Your role needs permission to move money for your organization.
  • Have a pen ready. You sign the back of the check before you photograph it.
  • Find a flat, well-lit surface. Make sure no shadows fall across the check.
  • Check that it’s eligible. You can deposit personal and business checks made out to you. Money orders, bonds and foreign checks aren’t accepted.

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Deposit a check

  1. Open the Transfers tab. Tap Transfers in the bottom navigation to open Move money.
  2. Tap Deposit check. You’ll find it under Add money.
  3. Endorse the check. Flip the check over. In the top band, write For mobile deposit only at Karat and sign your full name. Select Yes, I’ve endorsed the back of the check to continue.
  4. Select a destination account. Choose the Karat checking account that should receive the funds. Only open checking accounts are listed, by account name. An account that’s scheduled to close shows a Works until badge with its closing date.
  5. Enter the amount and sender. Enter the check amount and who the check is from. Your deposit limit shows under the amount.
  6. Take the front photo. Make sure all printed details and all four corners of the check are clearly visible.
  7. Take the back photo. Make sure your signature and the endorsement are clearly visible.
  8. Review and submit. Check the amount, account, fee and funds availability, then tap Submit deposit.
A confirmation screen shows your deposit as Pending. Tap View Activity to see it with your other transactions. Karat emails you when your deposit is received and again when the funds are available. Note: The Karat app needs access to your camera to photograph checks. If prompted, turn on camera access for Karat in your iPhone’s Settings.

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Track your deposit

Your deposit appears in Activity and in its transaction details with one of these statuses:

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Rejected deposits

If Karat rejects your deposit, Karat emails you the reason. You can also open the deposit in Activity in the app to see the Reason. Some reasons can be fixed with new photos:
  • Incomplete image
  • Poor image quality
  • Missing check information
  • Incorrect amount
For these reasons, start a new deposit and take new photos of the front and back of the check. For other reasons, such as Duplicate or International check, the check can’t be deposited through the app. If you have questions about a rejected deposit, contact us.

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Returned checks

If a deposited check is returned, the deposit shows a gray Returned badge. The original deposit and the return debit appear as separate entries in Activity, and each one links to the other in its details.

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If you don’t see Deposit check

  • Your organization may not be enrolled yet. Contact us to join the waitlist.
  • Your user role may not have permission to move money for your organization.
  • Your app may be out of date. Update the Karat app from the App Store.
If the app shows Unable to check deposit availability, tap Try again. Karat is a fintech company, not an FDIC-insured bank. Banking and Card services provided by Grasshopper Bank, N.A., First Internet Bank of Indiana, and Cross River Bank, Members FDIC.