The feature lives exclusively in the Dappr iOS and Android apps and combines on-device image capture with a short manual review to get funds working for your business in as little as three business days.

Open the Dappr mobile app and tap Finance in the bottom navigation bar. Choose Deposit, then Check deposit. The app first asks for the check’s dollar amount, the sender’s name, and whether the maker is a government authority (for example, the IRS). After you enter those details the camera opens so you can photograph the front and back of the check; onscreen guides help you line up the frame, and the app prompts for a retake if the image is blurry or the endorsement is missing. Once both sides look good, submit the deposit and you are done—the check moves into manual review, and you can close the app.

Dappr accepts most U.S. checks that carry a readable MICR line and are denominated in U.S. dollars. The payee must be your company’s legal name, an approved DBA, or an authorized user such as a business owner or legal representative; there can be only one payee. Checks may be dated up to 180 days in the past, and post-dated items are allowed, though they often receive extra scrutiny.

Certain instruments are always rejected—including U.S. savings bonds, USPS money orders, remotely or electronically created checks, convenience checks drawn on credit lines, traveler’s checks, cash, and any check drawn on a non-U.S. bank.

Every item must carry the maker’s signature; “signature on file” is acceptable only when it appears pre-printed on a business check. On the back, an authorized user endorses the item and adds the safe-harbor phrase “For mobile deposit at Fifth Third only.” If the check already has a safe-harbor checkbox, tick it and hand-write “Fifth Third Bank” beside it. Deposits that lack this language or present multiple payees are returned without review.

For best results place the check on a plain, dark background under good lighting so the MICR line is crisp and the written amounts are legible. The app auto-crops and flags blurry images, but a clean backdrop reduces retakes and speeds approval.

New accounts begin with modest per-check and daily limits; these rise automatically as your account establishes a history of normal activity. If you need to deposit a check above your current ceiling, submit it anyway—the item will route to a manual exception queue, and we may ask for supporting documentation.

Every check undergoes manual review. Standard deposits post in three to seven business days: one to five business days for Dappr’s risk review and bank hold, plus the time it takes the maker’s bank to clear the funds. Complex items or checks that trigger risk alerts can take longer. Weekend deposits queue for processing on Monday once review is complete.

Mobile check deposit is free. Dappr does not charge a returned-item fee, but repeated returns will result in the check-deposit feature being disabled on the account.

You can follow a deposit’s journey at any time. On desktop visit Financial Account → Deposits; in the mobile app tap Finance → Deposits. Each item is tagged with a current status. Key milestones—such as approval or posting—also trigger email and push notifications to the legal representative and any authorized user who has opted in to alerts.

Severe discrepancies—especially evidence of alteration—may freeze the account and be reported to the authorities.

Store the physical check in a secure place for 30 days after submission in case Dappr requests it for audit. After that period destroy the item; never attempt to redeposit or negotiate the same check elsewhere. Duplicate presentment constitutes fraud and is always reported.