Mobile Check Deposit

Before you deposit a check through the BPI app, write the following on the check: 

On the front of the check 

1. “BPI / Payee’s BPI Account Number” above the Payee Name 

On the back of the check 

1. Date of mobile check deposit 

2. Payee’s signature 

Important: If there are erasures, your check will be rejected. 

When you’re ready, follow these steps:

1. Log in to the BPI app, then in the bottom right corner, tap More.
2. Scroll down to Services, and tap Check Deposit > Deposit new check.
3. Select which account you want to deposit into. 
4. Enter the amount written on the check. 
5. Tap the calendar icon and select the date written on the check. 
6. Using the app, take a photo of the front of the check. Make sure all the details are clear. If there are some details that are not clear, tap Retake photo and try again. 
7. If you’re okay with the photo, tap Confirm and continue.
8. Take a photo of the back of the check. Make sure the edges are within the white frame, and that all details are readable. If some details aren’t clear, tap Retake photo and try again. 
9. Once you’re okay with the image, tap Confirm and continue. 
10. Review the details of your deposit, tick the box that says you agree to the Terms & Conditions, then tap Confirm. 

That’s it! Your check has been deposited. Please make sure you keep the physical copy of the check for 12 months. 

You can view the status of your check by going to More > Check Deposit.

Checks deposited after 3:00 PM, on weekends, and on holidays will be processed the next banking day.

You can monitor the status of your check deposit through the BPI app or via web browser. 

Using the BPI app: 

1. Log in to the BPI app, then in the bottom right corner, tap More.

2. Scroll down to Services, and tap Check Deposit.

3. You’ll see a list of all the checks you’ve deposited through the BPI app, and each one’s status: 

• For clearing: The check is still being processed. 
• Cleared: The check has been successfully processed and the amount has been deposited into your chosen account. 
• Rejected: There were issues with the image uploaded or the details of the check. Please go to the nearest BPI branch to deposit your check. 
• Returned: The check could not be processed. Pease discuss this with the issuer of the check.

Tap on a specific deposit to view all the deposit details. 

Using BPI via web browser: 

1. Go to online.bpi.com.ph and log in. 

2. In the left-side menu, click More > Check Deposit

3. You’ll see a summary of all the checks you’ve deposited through the BPI app, and each one’s status:

• For clearing: The check is still being processed. 
• Cleared: The check has been successfully processed and the amount has been deposited into your chosen account. 
• Rejected: There were issues with the image uploaded or the details of the check.      Please go to the nearest BPI branch to deposit your check.  
• Returned: The check could not be processed. Please go to the nearest BPI branch to know the reason for its return. 

You can click on a specific deposit to view all the details of a check. 

Mobile check deposits are subject to the PCHC clearing rules similar to checks deposited at the branch. Checks deposited within cut-off (3:00 PM) will be processed the same day while checks deposited beyond cut-off (3:00 PM), on weekends, and holidays will be processed the next banking day.

Keep the physical check with you for at least 12 months, just in case it’s needed for future verification.

This feature is available to NEXT by BPI Preferred, BPI Preferred, BPI Gold, and BPI Private Wealth clients. If you’re one of such clients but still can’t find the feature, please contact your relationship manager for assistance.