How to Mobile Deposit a Discover Card Check on the Truist App Step-by-Step
By James H. Sterling
Improper endorsement causes the vast majority of mobile deposit rejections at Truist. Federal regulations and institutional risk policies require restrictive endorsements on all remote deposit capture (RDC) items to prevent duplicate negotiation at physical teller windows.
On the back of the Discover check, write your endorsement clearly in dark blue or black ink:
[Your Signature as Written on the Front]
For Truist Mobile Deposit Only
Some Discover convenience checks feature a pre-printed checkbox labeled "For Mobile Deposit" with an accompanying blank line. While checking this box is technically permissible, Truist’s automated OCR systems prioritize explicit, written restrictive language. If the machine cannot confirm the word "Truist" inside the endorsement field, the system will flag the item as a potential fraud violation or issue a notice of return within 12 to 24 hours. Keep the original paper check stored safely in a secure drawer for at least 14 business days after the funds clear before shredding it.
James Sterling reports on renewable energy developments, climate policy, ecological conservation, and green tech innovations around the globe.
