Access funds fast with electronic check deposits

An electronic check deposit allows businesses to convert paper checks into digital funds without visiting a bank branch. With Stable, your mail arrives at our facility, is scanned, and uploaded into your Stable dashboard. ​If your scan includes a check, it is classified as a check and appears in the Finance section of your dashboard. You can initiate the deposit (or automate it), and our onsite mobile deposit hardware processes it. Funds then settle into a Stable holding account in just 1-5 business days, depending on the check amount.

Not quite. A mobile deposit generally means using your smartphone to take pictures of a check and upload it via your bank’s app. Stable goes a step further: we receive your checks, process them onsite using professional equipment, and deposit them securely — no camera or manual upload required. Learn more about the difference between manual vs. automated check deposits.

Stable supports most standard business and personal checks, including government-issued ones. Some exceptions like money orders or special instruments may not be accepted, but the majority of traditional checks are handled seamlessly through our system. This is especially useful for industries like accounting or property management that process high volumes of checks.

You don’t need special equipment to use Stable’s check deposit services. Unlike traditional RDC banking where you need a scanner, Stable handles all the hardware, scanning, and depositing at our facility. You simply use your dashboard to track and manage deposits.

Funds typically clear into your Stable holding account within 1 to 5 business days, depending on the check amount. Learn more here.

Yes. Stable employs encrypted processing, processes deposits onsite, and maintains chain-of-custody integrity. Plus, Stable is SOC 2 certified, ensuring high-level security for your data and funds. Businesses operating across locations, like remote businesses, especially benefit from this security.

Absolutely. Stable is built for remote check deposits at scale. Whether you deposit a few checks or hundreds per month, our automated systems provide efficient, accurate, and scalable handling. Read more about how to achieve operational efficiency at scale.

Yes. Once your checks are deposited into your Stable holding account, Stable transfers funds via ACH directly into your US business bank account.

After deposit, you can choose what happens to the original checks. Many clients opt for secure shredding, while others may want their mail shipped to them for storage. It’s a choice made within our compliant and secure process.

Stable adheres to enterprise-grade standards, including SOC 2 and HIPAA compliance, and partners only with FDIC-backed institutions. These layers ensure your deposits meet US legal and security requirements.

Stable uses a flat-fee structure, which means no percentage-based charges. Plans include pay-as-you-go or bundled pricing for mail-in or electronic deposits. Exact rates vary by plan. Please contact our sales team for the current tiered pricing details.

Bank mobile deposit apps are fine for one-off personal checks. But business-focused needs demand automation, scale, and visibility. Stable’s check deposit services offer centralized management, auditing, and integrations that typical bank apps don’t provide. Get started today to see how Stable streamlines your deposits.