中国银行支票托收_如何使用手机将支票存入您的银行帐户

中国银行支票托收

Much ado has been made in recent years about being able to deposit checks to your bank accounts using your phone’s camera. It works well and is super convenient, so if your bank’s app offers this feature you may want to try it out.

近年来，关于能够使用手机的摄像头将支票存入您的银行帐户的事，已引起很多争议。 它运行良好且非常方便，因此，如果您银行的应用程序提供此功能，则可能需要尝试一下。

One of the first things you need to find out is if your bank even offers an official app (they probably do), which might allow you to deposit checks from home. Word of warning: always use the official app and when you deposit checks, and make sure you don’t use it on an open Wi-Fi network.

您需要了解的第一件事是您的银行是否甚至提供了官方应用程序(他们可能提供了)，这可能使您可以在家中存入支票。 警告：请始终使用官方应用程序以及在存入支票时确保未在开放的Wi-Fi网络上使用它。

Another thing you want to verify what kind of checks you can deposit. For example, you can probably deposit a variety of check types such as cashier’s, traveler’s, money orders, and more.

您还想验证一下可以存入哪种支票。 例如，您可能可以存入各种支票类型，例如收银员，旅行支票，汇票等。

Also, make sure you know what your maximum daily amount is. If you have more to deposit than you’re allowed, you may have to actually go into your bank or space your deposits out over a few days.

另外，请确保您知道最大每日金额是多少。 如果您的存款额超出了允许的范围，则可能必须实际进入银行或在几天内将存款额减少。

Finally, make sure you know when your funds will be available. You and your bank should have some kind of depository agreement in place, and funds may not be immediately available. Remember, any deposit won’t be officially complete until your bank actually collects the money.

最后，请确保您知道何时可以使用您的资金。 您和您的银行应有某种存管协议，资金可能无法立即使用。 请记住，在您的银行实际收取款项之前，任何存款都不会正式完成。

使用应用程序进行存款 (Using an App to Make Deposits)

Using an app to make deposits from your home is one of those conveniences we should all take for granted. Most banks now have dedicated apps in the major app stores. Let’s briefly show you how you might deposit a checks using a typical banking app.

使用应用程序从您家中进行存款是我们应该理所当然的便利之一。 现在，大多数银行在主要应用商店中都有专用的应用。 让我们简要地向您展示如何使用典型的银行应用程序存入支票。

使用银行应用程序的支票存款的基本提示 (Basic Tips to Using Your Banking App’s Check Deposit)

Assuming your bank lets you deposit checks from home, then you will likely only need to prepare your check by endorsing the back. You might have to write some other information such to what account the check is being deposited. Your bank will let you know what to write.

假设您的银行允许您在家中存入支票，那么您可能只需要背书即可准备支票。 您可能必须写一些其他信息，例如支票支票的帐户。 您的银行会告诉您写什么。

Locate the deposit option on your banking app.

在您的银行应用中找到存款选项。

You may also need to enter how much you’re depositing and, if you have more than one account, to which the funds are going.

您可能还需要输入存入的金额，如果您有多个帐户，资金将存入该帐户。

Once you’ve squared all that away, you will capture the front of the check, and then the back.

一旦将所有的平方都消除了，您将捕获支票的正面，然后是背面。

It is best to use a dark-colored background and hold the phone as still as possible so you get it right the first time.

最好使用深色背景，并尽可能保持手机不动，这样您就可以第一次使用它。

Send both sides on their way to your bank and make sure you get confirmation that the check has been successfully received. If you get a confirmation number, it’s best to write that down in case something goes awry.

将双方都发送到您的银行，并确保您确认已成功收到支票。 如果您收到确认号码，最好将其写下来，以防万一。

存入支票后该怎么办 (What to Do Once the Check is Deposited)

It’s a good idea to wait until you get verification from your bank that the check has been successfully deposited. As we mentioned earlier, the funds may not be immediately available and again, the transaction isn’t entirely complete until your bank receives the money from the check issuer.

一个好主意是等到您从银行获得支票已成功存入的验证。 正如我们前面提到的，资金可能不会立即可用，而且直到您的银行从支票发行人那里收到钱后，交易才能完全完成。

That said, once the funds have been deposited and are available you should scrawl “VOID” across the face of the check or even better, shred it.

就是说，一旦资金存入并可用，您应该在支票的表面上乱涂“无效”，甚至更好，将其切碎。

You bank should be able to explain the technical aspects of their deposit app. You should expect that the images you capture will not be stored, and that they will be encrypted before sending.

您的银行应该能够解释其存款应用程序的技术方面。 您应该期望捕获的图像不会被存储，并且在发送之前将被加密。

Overall, depositing checks by smartphone should be easy, safe, and secure. We’ve never experienced a problem, and can’t remember any reported case where someone has hacked the process. Of course, that doesn’t mean it won’t happen, but that also doesn’t mean someone won’t run up to you and rob you at gunpoint either.

总体而言，通过智能手机存入支票应该简单，安全和有保障。 我们从来没有遇到过问题，也记不起有人入侵该程序的任何报告案例。 当然，这并不意味着它不会发生，但这也不意味着有人也不会向你跑来抢你。

When depositing checks at home, just remember to use you bank’s own app, don’t forget to endorse the back of your check, use a dark-colored background when capturing the check, and make sure the funds are available before voiding or shredding it.

在家里存入支票时，请记住要使用银行自己的应用程序，别忘了背对支票背面，在获取支票时使用深色背景，并确保在清空或撕碎支票之前有可用的资金。

We hope then that if you’ve never considered depositing checks using your bank’s phone app, that this article has sparked your curiosity, If you would like to ask a question or contribute a comment, please leave your feedback in our discussion forum.

我们希望那时，如果您从未考虑过使用银行的电话应用程序存入支票，那么这篇文章会激发您的好奇心。如果您想提一个问题或发表评论，请将您的反馈意见保留在我们的论坛中。

翻译自: https://www.howtogeek.com/228369/how-to-deposit-checks-to-your-bank-account-using-your-phone/

中国银行支票托收