Depositing checks into Ramp Checking Account

Deposit checks into your Ramp Checking Account by submitting electronic images of the front and back of a check via the Ramp web or mobile app. They can take up to 5 business days to settle, and there is no dollar limit. Only Business Admins and Business Owners, who have access to Ramp Banking, can deposit checks.

How to deposit a check into Ramp Checking Account?

Web:

Navigate to your Ramp Checking Account by selecting Banking > Overview in the left navigation panel in the Ramp web app.
Select Move money and click the Deposit check tab at the top of the drawer.
Enter the check amount and upload images of the front and back of the check. Supported file types include PNG, JPG, JPEG, HEIC, WEBP, and PDF. Ensure the check is endorsed, and all information on the check is fully visible and legible.
Select the destination account from the To Account drop-down menu.
Click Submit check to complete the deposit.

Mobile (iOS + Android):

Click “+” icon on the bar and click Deposit check .
Take a picture of the front and back of your check or upload images.
Enter the check amount.
Select the destination account to deposit money into.
Click Submit to complete the deposit.

Frequently asked questions

Can I schedule a check deposit?

No, scheduling a check deposit is currently not supported.

Do I need to endorse the check before uploading images of the front and back of the check?

Yes, checks are required to be endorsed.

Can I add approval chains or policies for check deposits?

Yes, you can add approval chains or policies the exact same as for wallet deposits and withdrawals.

My check deposit was rejected. Why?

To find out why your check deposit was rejected, follow these steps:

Navigate to the Ramp Checking Account where you deposited the check.
Click the check deposit transfer in the list view to open the details drawer.
Review the log of events in the transfer details drawer. The rejection reason appears below the Check deposit failed event.

My check deposit was reversed. Why?

To find out why your check deposit was reversed, follow these steps:

Navigate to the Ramp Checking Account where you deposited the check.
Click the check deposit transfer in the list view to open the details drawer.
Review the log of events in the transfer details drawer. The reversal reason appears below the Check deposit failed event.

My check deposit shows as `Completed` in the transfer list, but the funds aren't available. Why?

Even after a check deposit shows as Completed, funds may be subject to a hold period based on our check hold policies.

How long does it take for my check deposit to clear?

Check deposits can take up to 5 business days to become available, depending on the amount, account history, and review requirements.

How do I track the status of my check deposit?

Go to Banking > Overview, click into the Checking Account, and select the check deposit transaction to view its status and event log.

Is check issuance supported?

Ramp does not support issuing physical checks directly from Ramp Checking Account. You can still pay a vendor by check through Ramp Bill Pay. If you need account-verification documentation, you can download a voided check PDF from Banking or Account details.

Are international check deposits supported?

No, we don't support depositing checks from international financial institutions.

Are there deposit limits?

There are no check deposit limits.

Are there any fees associated with depositing checks?

There are no fees.

What if I entered the wrong amount or account?

If the amount you enter doesn't match what's printed on the check, your deposit will be rejected. You can then resubmit the same check with the correct amount.

Would an initial or partial amount of the check become available immediately?

No initial or partial amount will be available immediately. The full sum can take up to 5 business days to settle.

What do I need to include in the endorsement?

An authorized signature, name of business, and "For deposit only to Ramp Checking Account".