When can I shred this check? Answers to online banking FAQ

As bank branches remain shuttered, more people are having a go at doing their banking online By CHANELLE BESSETTE of NerdWallet September 16, 2020, 1:01 PM • 5 min read Share to FacebookShare to TwitterEmail this article As the COVID-19 pandemic leads banking customers to lean into online technology to […]

As bank branches remain shuttered, more people are having a go at doing their banking online

As the COVID-19 pandemic leads banking customers to lean into online technology to manage their money, those trying online banking for the first time may find themselves with questions about how to handle things previously done in person or with paper documents.

If you’re stuck on how to handle some of the practical aspects of online banking, here are answers to common questions.



Major banks recommend that after you’ve made a mobile deposit, you write “mobile deposit” and the date of deposit on the front of the check. Keep the check until you’ve made sure the deposit has gone through — which may take several days — and that the bank doesn’t need the original check for any reason. Once the check has been cleared in your account, it’s best to shred it.


If you want to send money to friends or family, your bank may have you covered with the Zelle money transfer service. Zelle, which is integrated with many major banks and also available as a separate app, allows registered users to receive and send money from their bank accounts.

You can also sign up for money transfer apps like Venmo or Cash App and link them to your bank account to send and receive money, as long as your sender or recipient has the same app.

To pay your bills online, your bank might have the option to set up recurring payments to services like your cell phone provider or utility company, allowing you to automate your monthly bills. Some banks can also send a check on your behalf if necessary. Wells Fargo, for example, offers online bill pay services, but you can also schedule paper checks to be sent for you if your service provider doesn’t accept electronic payments. Search your bank’s FAQs or reach out to its customer service department for details on its bill-pay features.


It’s a universal truth that technology comes with occasional frustrations. Sometimes banks experience app outages, and sometimes there are problems on the user side. There are a few things you can do to diagnose the problem:

— MAKE SURE YOUR LOGIN CREDENTIALS ARE CORRECT. Entering an incorrect username and/or password is a common stumbling block and will prevent access to your account. Some banks might even lock you out after too many failed login attempts. If you’ve forgotten your login information, contact your bank’s tech support team.

— CHECK YOUR EMAIL AND YOUR BANK’S SOCIAL MEDIA ACCOUNTS. Your bank may have posted on its Facebook or Twitter accounts or sent an email notification about any known app problems. Many consumers today also use their banks’ platforms to flag problems themselves. If there’s an outage, your bank may post information on how long it’s expected to last and how you can access your account in the meantime. Bookmark or follow your bank’s social media accounts for quick access.

— UPDATE YOUR APP AND/OR YOUR PHONE SOFTWARE. Your version of the app could be out of date, or your phone’s software may need updating to use a newer version of the app. Go to your phone’s app marketplace (e.g., Apple App Store or Google Play Store), search for your bank’s app and see if there’s an option to update.

— GET TECHNICAL SUPPORT FROM YOUR BANK. For help, reach out to your bank’s customer service representatives by phone, email or chat, if available.

— USE YOUR DESKTOP LOGIN OR VISIT A BRANCH OR ATM. If your app isn’t working, you may still be able to log in on a desktop computer. If your bank has physical branches, you should be able to get in-person service, although COVID-19 precautions may mean that hours are limited or appointments required. If you’re trying to deposit a check or check your balance, you can use an ATM, as long as your bank offers use of a network.


This article was provided to The Associated Press by the personal finance website NerdWallet. Chanelle Bessette is a writer at NerdWallet. Email: [email protected]. Twitter: @crbessette.


NerdWallet: What Are Online Banks? Learn the Pros and Cons http://bit.ly/nerdwallet-online-banking

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