During your holidays, a business trip or a move, you may be required to deposit a check elsewhere than in your local bank branch. This is a possible operation, provided that certain rules of use are respected. Find out which ones according to your banking network. And also follow the procedure to easily deposit a check at a bank branch. Everything you need to know to deposit a check in any bank other than your own!
How do I deposit a check at a bank branch?
Before, you had to queue at the counters to deposit a check into your account. Today, the process is much faster. However, it is necessary to follow some formalities so that the operation takes place in good conditions:
- first, check that all the information issued on the check is correct and legible: amount, name of recipient, place and date of issue, signature, etc.;
- then, go to an agency of your bank with the check to be deposited, your valid identity document and your account number;
- then fill out a check deposit slip. You will find them in self-service. If necessary, you can also ask for it at the counter. Then enter the amount of the check as well as the beneficiary account number;
- and sign on the back of the check to be deposited. You must also indicate your account number to be credited;
- finally, there are several solutions to cash your check. The first is to go to the counter. The advisor will give you a check remittance slip. You can also deposit your ticket at the agency’s ATM. This must be from the same network as your bank. Indeed, the machines do not accept check deposits from customers of another bank.
Can I deposit a check in any bank other than my own?
You are a Crédit Agricole customer and wish to deposit a check at your vacation spot. But there are only Crédit Mutuel and La Banque Postale branches nearby. Be careful, never deposit your checks in a banking network other than the one where you are a customer.
On the other hand, it is quite possible to deposit a check in an agency other than your own, as long as it is the same network. It makes life easier for consumers. Thus, you can deposit a check at your resort or at another branch close to your current geographic location (business trip, moving in progress, etc.).
Be careful, however, to respect the procedure of the establishment in which you wish to deposit your check. In addition to the signature and the account number on the back of the document, you may be required to complete a specific slip or send a copy of your identity document.
And on the other hand, be aware that the deadlines are often extended by several days when you deposit a check in an agency other than yours.
Can a check be deposited at any Crédit Agricole?
It is quite possible to deposit checks in any CA in France. However, a specific check remittance slip must be used. You will find them in self-service or at the counter of the Crédit Agricole branch of your choice, or by using your bank card on a machine made available to you.
You will also need to attach a bank details of the account to be credited as well as a copy of your identity document.
How do I deposit a check at any Caisse d’Epargne branch?
It is entirely possible to deposit a check in a Caisse d’Epargne branch other than your own. All you have to do is ask for a check remittance slip moved to the counter. The document is easily identifiable by its red box.
Complete the slip as usual, then deposit it with your check at the branch.
To note : the delay for cashing the check will be longer. Indeed, it can reach up to 10 calendar days.
Check deposit in a Crédit Mutuel branch other than his own
Crédit Mutuel allows its customers to deposit their checks at any branch. To do this, you must follow the rules of use, namely add your signature and note your account number on the back of the check.
To know : you can also deposit checks directly into the Crédit Mutuel cash dispenser. This is an easy and convenient service. First available in a few boxes, the functionality tends to become widespread. Contact the agency of your choice to proceed with the operation.
The case of professionals
Are you a professional and your time is limited? Are your checks piling up in the bottom of your cash register?
As for individuals, the rule of depositing checks in the same banking network also applies to professionals.
Therefore, it is not always possible for you to take the time, especially if you run a business, to go and deposit your customers’ checks in the branch closest to your business.
Are there solutions for depositing a check remotely?
Fortunately, when you are sorely lacking in time, it is possible to turn to cashing checks by mail.
The principle is simple: you must apply the same method as for cashing a cheque, namely writing the account number on the back of the check and adding your signature. All you have to do then is fill out a check deposit slip and send it to your bank, which will deposit it in your bank account.
Of course, sending the check is at your expense and the collection time will be slightly longer. It takes on average between 5 and days for the check to appear in your bank account.