No, you never pay a fee when you make a mobile deposit into your Capital One checking or savings account.

There are deposit limits depending on the method of deposit. For mobile deposits, the app will indicate what your maximum deposit amount is. If you need to deposit an amount that's more than the limit, visit us in person.

1. Start your deposit

Sign in, choose your checking or savings account, then tap Deposit.

2. Set the scene

Make sure to use good lighting and a dark background. Then hit the camera icon to open your camera.

3. Snap your pics

Take a picture of the front of the check. Then flip it over, make sure you’ve signed the back, and take a picture.

4. Wrap it up

Enter the amount you’re depositing. Add a memo if you like. If it all looks good, swipe the Slide to Deposit button to confirm.

• As long as your deposit is received before 9 pm ET on a business day, your mobile check deposit should post on the same day.
• Deposits at a Capital One location should be available the next business day.
• Generally, direct deposits and deposits from external accounts are available immediately after the transfer completes.
• Most deposits into 360 Performance Savings, 360 Savings, 360 Money Market, Essential Savings, Confidence Savings and Kids Savings Accounts are subject to a 4 business day hold before you can withdraw those funds.