How to mobile deposit a 401(k) rollover check

Some providers allow you to deposit a 401(k) rollover check using their mobile app. We've compiled the following step-by-step guides on how to do so for providers who support it.

Start by choosing your provider:

Don't see your provider?

Unfortunately, not all providers support mobile check deposit for 401(k) rollovers. If your provider does not allow for mobile deposit, you will have to mail the check or deposit it in person at a local branch.

If you initiated your rollover with Capitalize, we will send you a prepaid envelope with a tracking code to mail on your 401(k) rollover check. If you didn’t receive a pre-paid envelope, simply contact our support team and they will send you a new one!


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Do I need to endorse the back of the check?

It’s best practice to sign the back of your check and note “For mobile deposit only at” plus the destination provider name underneath your signature in the endorsement area.

I'm having issues with the mobile deposit camera.

Be sure to take a clear picture of the check on a dark, flat surface, in a room with good lighting. 

If you are unable to submit the check deposit through the mobile app, you can also mail the check or deposit in person at a local branch.

I submitted the mobile deposit, how long does it take for the funds to show up in my account?

It may take a few days to process your request, so keep your check safe for about a week until you’ve confirmed your check has been successfully deposited.

What do I do with the check once the deposit is complete?

After completing your mobile deposit, it’s good practice to write “Mobile deposit” and the deposit date on the front of your check. Store it in a safe place for 5 days after the check clears to confirm there were no issues, and then destroy it.

Ready to take control of your assets?

Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.