How to Deposit a Check

Last updated: January 13, 2026

Meow Technologies is a financial technology company, not a bank or FDIC-insured depository institution. Banking services are provided by Grasshopper Bank, N.A.

Steps to Deposit a Check

Navigate to the Business Checking account tab and click "Deposit" in the upper right-hand corner.

  1. Select "Deposit a Check" from the menu options.

  2. Upload an image of the front and signed back of your check.

  3. Images should be oriented horizontally.

  4. Only .HEIC and .jpg file types are supported.

  5. Be sure the photos are clear and the back of the check is signed.

  6. Enter the deposit amount the check is made out for.

  7. Note: The system will automatically reject attempts to deposit a check that has already been successfully deposited and released to prevent duplicate submissions. If your deposit is rejected, verify that the check hasn't been previously deposited before retaking photos or contacting support.

Check Deposit Access and Eligibility Requirements

If you don't see the “Deposit” option in your Business Checking account, you’ll need to request access to check deposits first. Navigate to “Business Checking” in the top‑left corner of your dashboard, select “Deposit,” and request access to the feature.

  • Fully funded and activated

  • Set up as the primary operating account

Even within the $20,000 daily limit, very large check deposits may be declined due to risk assessment protocols. For large deposits that cannot be processed via check deposit, wire transfers are available as an alternative – click “Deposit” on the Business Checking tab to download wire instructions.

Alternative Deposit Methods

  • Wire transfers for large amounts

  • ACH transfers for regular business payments

  • Direct deposit setup for recurring income

Fund Availability Schedule

Funds from check deposits are released according to a staggered schedule, which may vary depending on the account’s history and age.


Checks are held for 6-11 days before processing begins. Once processing starts, funds are released according to the schedule below. For newer accounts (typically those opened within the past 90 days), we follow an extended release schedule:

Date

Available Balance

Business Day 0

$0

Business Day 1

$6,725 available (if eligible)

Business Day 6

Full amount available

Note: The timeline above begins after the initial 6-11 day hold period. Only a partial amount may be released the next business day after processing begins. The full check amount will become available by the sixth business day after processing starts in most cases. Exceptions apply for newer accounts or larger deposits.

Check Deposit Limits

The default check deposit limit is $20,000.

FAQ

What date will check deposits show up in my Quickbooks or Xero feeds?

  • Check deposits will show in your accounting software and other bank feeds as the same date and timezone they are successfully deposited during. For example, if you deposit a check at 10pm US/Pacific on August 2nd which is accepted immediately, then the check will show as a transaction for August 2nd if your accounting software is configured for Pacific time and August 3rd if your accounting software is configured for US/Eastern time

  • We do not have a mobile application but customers can deposit checks using their mobile device and logging into their mobile browswer.