How to deposit a check
To deposit a check:
Navigate to Move Funds → Deposit → Check Deposit
Follow the prompts to begin your deposit
Upload photos of the front and back of your check
Submit the deposit for review
Checks are deposited directly into your Arc operating account.
Endorsing your check
Before uploading photos, you must properly endorse the back of the check.
On the back of the check:
Sign your name
Write “For mobile deposit at Arc only” below your signature
Missing or incorrect endorsements may cause your deposit to be delayed or rejected.
Taking photos of your check
Successful check deposits rely on clear, legible images. When taking photos:
Upload photos of the actual physical check
Ensure all four corners of the check are visible
Place the check on a dark background
Take photos in a well-lit area
Make sure the amount, date, and account information are clearly readable
Poor image quality is one of the most common reasons check deposits fail.
When to expect funds
Check deposits are typically available within 5 business days
Deposits are reviewed before being credited to your account
Please keep the physical check for at least one week after the deposit has been processed and appears in your account, in case additional verification is needed.
Please note
Checks must be issued by a U.S. bank
Electronic or non-standard checks are not supported
If you run into any issues while depositing a check or have questions about a deposit, please contact Arc Support for assistance.