When you choose to print your Digital Check, you will be provided a PDF version of the Check that needs to be authorized with your signature before depositing. Printed Checks can be deposited in the following ways:
- Mobile Check Deposit: Download a Check deposit app directly from your bank to your smartphone. Deposit your Check by taking a picture of it inside the app. Tutorial Video
- RDC or ATM: Printed Checks can be cut to the size of a regular Check and inserted into a Remote Deposit Capture or an ATM to deposit the funds into your account.
- Presenting it to a bank teller at a branch office: Your Printed Checks are legally valid to be presented at the bank. However, some inexperienced tellers who have never seen this Check before may reject it at smaller banks/credit unions. This is rare, but it happens (less than 1%).
It is always the best option to simply mobile deposit your Check when possible to save you a trip to the bank, and get the fastest disbursement.
Regulations on Printed Checks
UCC regulations are clear on Checks - as long as a check conforms to the definition, it is a legal requirement for a bank to accept it when you present it to a bank teller. Please refer here: https://www.law.cornell.edu/
The Check21 definition of a Check as defined per Federal Government specifically states a Check image reproduced cleanly in any paper is as valid as the original Check.