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Mobile check deposit lets you deposit a paper check straight from your phone — no trip to the bank or lockbox mailing required. Open Lemma in your phone’s browser, visit Move money > Mobile check deposit, photograph the front and back of the check, and the funds are credited to your account once the check clears. You need banking permissions to deposit a check. Read-only users are allowed to deposit checks but not move the money after it’s deposited.

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Before you start

  • Payee matches account name. The “Pay to” / “Pay to the order of” line must match your account entity name exactly. Reach out to us if you are depositing a check in the name of an owner or healthcare provider rather than the clinic’s name.
  • Endorse the back. Sign or write your name on the back, then write “For deposit only at Lemma” below it.
  • Find good, even lighting and a dark, flat surface for contrast.

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Deposit a check

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Mobile

1

Visit the move money page

In your phone’s browser, sign in to Lemma and go to Move money > Mobile check deposit.
2

Choose the destination account

Select the Lemma account you want the funds credited to. If you manage multiple providers, confirm you’re on the right entity first.
3

Capture the front of the check

Point your camera at the front of the check. A live viewfinder with edge detection frames the check and helps you capture a clean image on the first try. Hold steady until it captures, then confirm the photo is sharp and all four corners are visible.
4

Capture the back of the check

Flip the check over and photograph the endorsed back the same way. Make sure your signature and any required “for mobile deposit” note are legible.
5

Review and submit

Check the account and both images. The amount is read automatically from the front of the check. If anything looks off, retake the photo. When everything is correct, submit the deposit.

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Desktops

Prefer a bigger screen? Mobile deposit also works from a computer. On the Move money > Mobile check deposit page, upload a photo of the front and back of the check instead of capturing one with the camera.

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After you deposit

Once submitted, the deposit appears in your transaction history. The check is credited to your account after it clears, and the funds are held for a few days before they become available to spend. Open the transaction’s detail panel to see:
  • Status — a deposit moves through pending, submitted, and then either clears or is returned / rejected.
  • Hold release date — when a hold is in place, the panel shows the date the funds are expected to become available.

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Tips for a clean capture

  • Use a dark, flat surface so the check’s edges stand out.
  • Keep all four corners visible inside the frame.
  • No shadows or glare — diffuse, even light works best.
  • Make sure the image is in focus before submitting.
  • Keep the paper check until the deposit clears, then store or destroy it per your record-keeping policy.

Lockbox

Mail paper checks to your dedicated lockbox address for deposit.

Transactions

Track the status and hold release date of every deposit.