Step 1
Open the NAB app and tap Cheque Deposit from the More menu.
Any of your transaction accounts that appear when you select the Cheque Deposit feature are eligible for deposits.
Anywhere. Anytime Mobile Cheque Deposit
Take a photo of a cheque with your smartphone and deposit it into your account with the NAB app.How to deposit a cheque
Step 2
Select your transaction account and enter the cheque deposit amount.
Step 3
Scan the front and back of the cheque.
Step 4
Validate the deposit details and tap Confirm cheque deposit. Once you receive a receipt you’re done. Remember to hold onto your cheque for 10 business days.
Frequently Asked Questions
How do I know if my account is eligible for depositing a cheque?
What should I do with my cheque once I’ve made a mobile cheque deposit?
You’re required to keep the physical cheque in a safe place for 10 business days. During this time, if we request the physical cheque, you’ll need to return it to us promptly. After 10 business days, you must securely destroy the cheque. You can do this by shredding the cheque so that the details on the cheque can no longer be read or reconstructed.
How long does it take for a cheque to clear?
Usually 3 business days. It will take a further business day if you submit a cheque after 10pm (AEST/AEDT) or on a day that is not a business day. Before the cheque has cleared, you’ll be able to see a record of the transaction in your account history the next business day (or the business day after that if you submit a cheque after 10pm, or on a day that is not a business day).
Can I increase the deposit limit so I can deposit more cheques?
No. At this stage, the deposit limit of $5,000 can’t be increased. You’ll need to visit a NAB branch to deposit cheques over this limit.
What do I do if the cheque won’t scan?
- Ensure you’ve downloaded the latest version of the NAB app.
- Check that you’ve allowed camera permissions with the NAB app.
- Re-scan the cheque and make sure it’s within the border of the scanning frame.
My phone ran out of battery/lost network connection in the middle of the deposit and I’m not sure if it was successful?
Try depositing the cheque again. If the deposit was successful the first time, you’ll receive a message advising that the cheque has already been deposited and no further action is required. If the deposit wasn’t successful the first time, go through the steps of depositing the cheque again. If this fails, call us on 13 22 65 or visit your nearest NAB Branch for assistance.
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Important Information
Mobile cheque deposits are available on eligible transaction accounts. Not available on certain personal and business accounts including savings, credit card and term deposit accounts. You may submit a total of $5,000 worth of Australian dollar cheques within any 7 day period. Third party cheques are not accepted. An internet connection is needed to access the NAB App and mobile cheque deposits.
Physical cheques must be kept in a safe place for 10 business days. Funds will usually clear and be in your account within three business days unless you submit a cheque after 10PM AEST or on a non-business day. Please read the full NAB Mobile Cheque Deposit terms and conditions.
NAB app
NAB recommends you consider the Internet Banking terms and conditions before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with Android OS 5.1 and above, and iOS 10.3 or later, minimum platform requirements apply.
Android is a trademark of Google LLC.
Apple is a trademark of Apple Inc., registered in the U.S and other countries.
iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.
*Business customers should be aware that transaction fees may apply to electronic transactions including deposits on certain business accounts. Service fees may also apply if you request additional services in relation to cheques submitted for deposit using the service. These fees are set out in Business Banking Fees – A guide to fees and charges
© 2019 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
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