In today’s fast-paced digital world, depositing checks might seem like an outdated practice. However, whether it’s a birthday gift from dear old Aunt Ruth or a refund check from the government, it’s inevitable that you will receive a paper check at some point in your life. So, how can you deposit those checks without hassle? Here are six ways to deposit checks safely and efficiently.

1. Mobile Check Deposit

Many banks and credit unions offer mobile check deposit services through their smartphones apps. This feature allows you to deposit checks instantly by taking photos of the front and back of the endorsed check. To ensure a successful transaction, make sure both images are clear and legible—otherwise, the bank may reject your deposit.

2. Direct Deposit at Your Bank

Directly depositing your check with a teller at your bank is still one of the most common ways to deposit a check. To do this, fill out a deposit slip with your account information and submit it to the teller along with your check. The teller will then process the transaction for you.

3. Automated Teller Machine (ATM) Deposits

Depositing checks through ATMs is another common practice, especially for those who cannot visit their bank during business hours. Just find an ATM affiliated with your bank, insert both the endorsed check and a completed deposit slip (if required), then follow the on-screen instructions.

4. Mail-In Deposits

Some banks and credit unions accept checks via mail-in deposits. To use this method, endorse your check, complete a deposit slip, and mail both items to your bank’s designated mailing address. Be sure to include customer service contact information in case any complications arise.

5. Remote Deposit Capture (RDC)

RDC is a service primarily offered to businesses but is becoming more popular among consumers as well. Using this system, you can deposit checks electronically by scanning or uploading check images to your bank’s online portal. However, it’s essential to verify that your bank provides this service before you decide to use it.

6. Night Drop Depositories

Night drop depositories are a secure and convenient option for depositing checks outside of business hours. These are secure, locked boxes found outside of banks and credit unions where customers can drop off their endorsed checks and deposit slips in a sealed envelope. The bank will process these deposits during their next scheduled business day.

In summary, there’s no need to worry when you receive a paper check. These six methods offer various ways to deposit checks safely and efficiently, ensuring access to funds as quickly as possible. Always check with your bank or credit union about their policies and fees concerning check deposits before selecting the method that suits you best.