How to Deposit a Check on Venmo (7 Easy Steps)

how to deposit a check on venmo

Looking to deposit a check with Venmo, or your check already wasn’t approved? I’m here to help.

Cashing a check on Venmo is easy and includes the following steps:

  1. Open the Venmo app
  2. Tap on your photo or initials to open the “Me” tab
  3. Tap on “Manage Balance”
  4. Choose “Cash a Check” and enter the amount
  5. Take a photo of both sides of the check and tap “Next”
  6. Choose the speed of the deposit
  7. If the check is approved, write VOID across the front and submit another photo

Before cashing a check, you need to endorse it by signing your name on the back (if you haven’t already). 

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What to do After Submitting a Check? 

There is something that we recommend you do before and after depositing a check. For example, you should ensure your contact information is up to date so that the company can contact you if needed. 

Venmo could contact you by email or even text. However, be wary of any links inside them as there are scammers trying to impersonate customer support.

After you submit a check with Venmo, wait for confirmation that the submission was successful. Now, you’ll be prompted to write VOID across the front of the check and take a photo that you’ll need to submit as well. 

It’s also recommended to keep the original paper check somewhere safe for at least two weeks. 

After that, it’s probably safe to destroy the original check unless Venmo tells you otherwise.

READ ALSO: How to Deposit Checks on Chase App (Easy Guide)

When is the Money Available After You Cash A Check With Venmo?

You can choose from two speed options when depositing a check. They are also available in the “Review Check Details” screen. 

  • In minutes
  • In 10 days

If you’re in a hurry, you can choose to pay a relatively small fee to get it deposited within minutes. However, sometimes it can take 10-15 minutes, and rarely a couple of hours, to get the check approved. After it’s approved, it will be deposited in minutes. 

If you don’t need the money urgently, the money will be available in your Venmo account in 10 days (if it isn’t returned unpaid within that period).

Venmo Check Deposit Limits and Fees

depositing a check

As with most check deposit services, there are some deposit limits that apply. In the case of Venmo, you can deposit checks from a minimum of $5 to a maximum of $5,000. 

It’s good to know that you can deposit numerous checks totaling up to $5,000 per day and up to $15,000 per month. 

Regarding fees, if your check is disapproved to be cashed, there will be no fees charged. There are also no fees for the standard speed deposit (within a 10-day period).

You will only have to pay a fee if you choose to get the deposit within minutes of cashing the check. In that case, the standard fee is 1% for payroll and government checks with a pre-printed signature and 5% for all other checks. 

The minimum fee is $5 per check. 

READ NEXT: How to Deposit Checks on Chime (New Guide)

Where is Venmo’s Check Deposit Feature Unavailable?

The only state in the country where Venmo’s Cash a Check feature isn’t available is the state of New York. Due to a recent change outside of Venmo, it’s no longer available since February 14th, 2022. However, any checks submitted prior to that date were processed.

Why Wasn’t the Check Approved? 

not approved

Most checks that users try to deposit are approved. However, in some instances, your check won’t be approved. That could happen in the following cases:

  • The check wasn’t endorsed
  • It was under $5 or over $5,000
  • Multiple checks exceed $5,000 in one day
  • The checks exceeded $15,000 in one month
  • The name on the check doesn’t match your Venmo account name
  • The check photographs are unclear or don’t pass authenticity screening
  • The check was written on a closed or compromised account
  • The voided image of the check wasn’t received, or it wasn’t correctly done
  • Sufficient information could not be verified on the check writer’s account

READ ALSO: Cash App vs Venmo: What Is Better For Mobile Payments?

The following types of checks aren’t accepted on Venmo:

  • Credit card check
  • Temporary check
  • Single party check that’s drawn on another account you own
  • Any other unusual check type Venmo doesn’t support

It’s unfortunate that Venmo nor the company they’re using, Ingo Money, can’t always tell you the underlying reason for disapproval. This is due to privacy regulations that prevent companies from sharing a check writer’s account information with you.

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You will be notified in the Venmo app if your check was declined, and you can try to cash a check somewhere outside of Venmo or contact the check writer for a new check or to arrange a different form of payment. 

Other Check Requirements

There may be some additional requirements as well, such as:

  • The check is in your possession and control
  • It is written to you or jointly to another person
  • The check hasn’t been altered
  • That it’s drawn on or payable by a bank, credit union, or other US depository institutions
  • It is payable in United States dollars
  • The check has been properly signed by the check writer
  • The check is dated
  • The date of the check is in the past (up to 90 days) 
  • It wasn’t previously cashed or deposited
  • The check hasn’t been previously dishonored

RELATED: How to Deposit Checks on Cash App

Conclusion

Depositing a check on Venmo is really easy and requires you to simply open the app, go to the “Me” tab, tapping “Manage Balance”, selecting “Cash a Check”, and taking a photo of both sides of the check. 

Once it’s approved, write VOID all over the front side of the check and take another photo of it. 

With an additional fee, you can have the funds in your Venmo account in a matter of minutes. 

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As a Current mobile banking app affiliate, I earn from qualifying purchases.
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Current: The Future of Banking

As a Current mobile banking app affiliate, I earn from qualifying purchases.