Back when I was in the GC flipping game, I would owe people thousands of dollars. I didn’t have enough capacity in Zelle, Paypal, Venmo, etc to pay everyone timely and not incur a shutdown. So what I did was I whipped out my check book and wrote John Doe a check just like you’re used to. Then instead of mailing them the physical check, I took a picture of it on my phone and emailed it to them (just the front pic, no need for back.)
The recipient would then just use their bank app to mobile deposit the check. They would pull up my check on their monitor and then point their smartphone at the monitor. As for the back, they can use any of their own checks laying around to take a picture of the back. And that’s it! I sent this to dozens of folks and no one had an issue; the only issue was what the mobile deposit limit was at their bank.
I bring this up because someone sent me a large e-check the other day (think buyers clubs) and I was not at home but I needed the money deposited ASAP. I then used Schwab (highly reco since they clear almost all checks within an hour as well as really high daily limits) to mobile deposit the front part of the check. As for the back, I grabbed a small notepad piece of paper, tore it off into a size of a check, signed the back and used that as the ‘back part of the check.’ Within hours, the money was in my account ready to be used.
So if and when you want to send large amounts (for small amounts, just use Venmo, Zelle, etc,) this is an easy way to do so.
I’m surprised that works. I guess the bank staff don’t bother to check the deposits. Otherwise they’d notice the front/back check designs dont match the institution.
If nobody ever complains about it, nobody will ever notice. Regular check deposits are highly automated processes now anyway. They only really get scrutinized when someone’s trying to cash them immediately. Try to deposit something exceptionally large and you’ll trigger some financial holds, but in my case, the threshold for those triggers is larger than the mobile check deposit limit, and that’s gone up this last year as well. It’s also possible that’s a function of how much I keep in my accounts, since the amount I’ve had in my savings account has increased dramatically this last year, for various reasons.
echecks.com