Announcements
Jul 26, 2024

Mobile check deposit on the BPI app is 100% online, secure, and very convenient. Currently available to BPI Preferred, BPI Gold, and BPI Private Wealth clients, this facility accepts checks below Php 500,000 from any local bank. There are zero fees, and deposit status of the checks can be monitored directly on the BPI app or BPI online (online.bpi.com.ph). 

 

Here are some reminders: 

  • Payee name should match your BPI account name.  
  • Write on the back of the check: “Bank of the Philippine Islands” or “BPI”, date of the check deposit (MM/DD/YYYY), your BPI account number, and your signature.  
  • Checks with erasures will be rejected.

 

Here’s how to deposit a check on the BPI app: 

1. Login > Tap ‘More’ > ‘Check Deposit’. 

2. Choose which account to deposit into.  

3. Enter the amount and the date written on the check.  

4. Take photos of the front and back of the check.  

5. Review the details, agree to the ‘Terms & Conditions,’ and tap ‘Confirm’.

 

A physical copy of the check must be kept for 12 months.  

Checks deposited after 3:00 PM on weekends and on holidays will be processed the next banking day. 

 

Here’s how to monitor the status of the checks deposited on the BPI app or BPI online (online.bpi.com.ph): 

1. Login > Tap ‘More’ > ‘Check Deposit’. 

2. You’ll see a list of all the checks you’ve deposited through the BPI app and the status of each:

StatusDescriptionPossible reasons for Rejected / Returned checksCan it be redeposited?
For clearingThe check is still being processed. N/AN/A
ClearedThe check has been successfully processed and the amount has been deposited into your chosen account.
RejectedThere were issues with the image uploaded or the details of the check.
  • Image quality issues

  • No written amount/figures

  • Missing details at the back

  • No date

Yes, either via the BPI app or branch.
  • Second endorsed check

  • Payee and account mismatched

  • Check number mismatched

  • Amount is above Php 499,999.99

  • Check is from a foreign bank

Yes, via branch only.
  • Amount in words and in figures differs 

  • Wrong account number

  • Stale, post-dated

No, neither on the BPI app nor the branch.
ReturnedThe check could not be processed. Please discuss this with the issuer of the check.
  • DAIF (Drawn Against Insufficient Funds) or source account has insufficient fund

  • DAUD (Drawn Against Unfunded Deposit) or funds in source account are not yet cleared

  • Closed Account or source account is tagged as ‘closed’ 

  • Amount in words and figures differs

  • SPO (Stop Payment Oder)

No, neither on the BPI app nor the branch.

Try mobile check deposit on the BPI app. Download the BPI app now.

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