How to Deposit Checks for the Infirmed
Depositing a check can be an arduous process for an infirm or disabled individual. Fortunately, there are methods for depositing checks to an account without having to be physically present at the bank. You may deposit a check by the mail, have an assistant deliver the check to the bank for you or use online check depositing if you process a large number of checks every month and have a merchant account.
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Instructions
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Depositing Checks by Mail
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Contact your bank and ask them if they offer check depositing by mail. Explain your infirm condition and request that they waive any fees that may be attached to the service.
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Request that the bank mail you any deposit materials that may be necessary for this process, including deposit slips and any special envelopes. Ask what address you will need to send the checks. In many cases, you will need to fill out a deposit slip and endorse the checks with your account number before mailing them.
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Follow the directions provided to you by the bank and mail your checks to its address. Later on, check your account balance using the bank's online banking features to ensure that your check arrived safely.
Getting Assistance
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Ask a trusted friend, family member or partner to deliver your checks to the bank for you for deposit. You will need to tell them your PIN and give them your ATM card so that they can deposit it. It's not illegal to do so, and they should have no issues.
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Protect yourself from the risk of being taken advantage of in this process by regularly monitoring your bank account. Unfortunately, if you are betrayed by your assistant, you may have little recourse from the bank unless you're willing to report your ATM card as stolen.
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Continue the check delivery arrangement as long as it seems necessary. You will only have issues with the bank if your assistant needs to speak with a teller. Only the account holder is authorized to speak with the teller about the account.
Instant Check Depositing
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Determine if you have a merchant bank account and process a high volume of checks every month. If you do, you likely qualify for online check depositing. Ask your bank's customer service department if they offer online check depositing. If they do, you will be able to deposit checks from the comfort of your own home.
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Purchase a scanner or a specialized check scanner. Regular scanners can be purchased for under $20, but specialized check scanners often sell for more than $1,000 new. Many banks that offer online check depositing allow you to do so simply using regular scanned images of checks, but a professional unit will process large volumes of checks more efficiently.
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Use your scanner to scan any checks you receive and deposit them directly into your bank account using the scanning service provided by your bank. Some specialized check scanners come with software that automates the deposit process.
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Tips & Warnings
The best way to help is to check into direct-deposit and electronic transfer solutions. This eliminates a great deal of work and adds security. Ask about any fees to make sure it's as economical as it is efficient.
