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Deposit

Deposit funds easily with Capitalize Bank

At Capitalize Bank, we make depositing money into your account simple and convenient. Whether you're transferring from another bank or depositing a check, we offer a variety of options designed to fit your needs. Discover how easy it is to manage your money with us.

Your deposit questions answered

We understand that depositing funds might bring up a few questions. Below, you'll find answers to the most common queries, along with tips to ensure a smooth and hassle-free experience every time you deposit money with Capitalize Bank.

What is the easiest way to deposit funds?

The easiest way to deposit money into your Capitalize Bank account, whether from another bank or a check, is through our mobile app's remote deposit capture. Simply endorse your check, take a picture, and submit it directly from your smartphone. For transfers from other banks, you can easily link your external accounts through our online banking portal for quick and secure electronic transfers.

How can I deposit a physical check?

You can deposit physical checks using our mobile app's remote deposit feature, or you can mail your check directly to our processing center at [[Capitalize Bank Address]]. Please ensure your check is properly endorsed.

Can I set up direct deposit?

Yes, you can easily set up direct deposit for your paycheck or other regular income. You will need to provide your employer with Capitalize Bank's routing number and your account number. Find these details in your online banking portal or contact customer service.

Are there any fees for deposits?

Capitalize Bank does not charge fees for standard deposits, including mobile check deposits or electronic transfers. However, some external banks may charge a fee for outgoing transfers. Please check with your other financial institution.

How long does it take for deposits to clear?

Mobile check deposits typically clear within 1-2 business days. Electronic transfers from linked accounts usually clear within the same timeframe. For mailed checks, clearing times may vary based on postal delivery and processing. Funds availability will be communicated during the deposit process.

What if my mobile deposit is rejected?

If your mobile deposit is rejected, please ensure the check is properly endorsed, the image is clear, and all information is legible. You will receive a notification with the reason for rejection and steps to resolve it. If issues persist, contact our customer service team.

What unique deposit options does Capitalize Bank offer?

Beyond standard mobile and electronic deposits, Capitalize Bank offers unique options like scheduled recurring transfers from external accounts and the ability to accept international wire transfers directly into your account (fees may apply for international wires). We also support real-time payments for instant transfers from participating financial institutions.

Why choose Capitalize Bank for deposits?

Capitalize Bank stands out for its cutting-edge mobile deposit technology, secure electronic transfer capabilities, and transparent policies. We offer competitive rates, 24/7 customer support, and robust fraud protection, ensuring your deposits are safe and accessible. Our commitment to digital convenience and customer satisfaction makes us the ideal choice for managing your money.

Deposit with confidence

Experience the ease and security of depositing your funds with Capitalize Bank. Our innovative tools and dedicated support ensure your money is always where you need it, when you need it. Join the growing number of satisfied customers who trust Capitalize Bank with their financial future.