# How do I deposit a cheque with KOHO? > Note Cheque deposit is new and is currently available to a small group of users It isnt available to everyone yet but this may change in the future You c Source: https://help.koho.ca/en_us/how-do-i-deposit-a-cheque-with-koho-HkphcX4qGe Last updated: 2026-10-28T17:27:42.303Z **Note:** Cheque deposit is new and is currently available to a small group of users. It isn't available to everyone yet, but this may change in the future. You can deposit eligible Canadian-dollar cheques right from the KOHO app, with no deposit fee. * * * ## **Who can deposit a cheque?** You can deposit a cheque if: * You have a verified KOHO account * You're in Canada * You're using a verified device Cheque deposits aren't currently available for KOHO Lite (unverified) accounts or Joint accounts. You'll also need to use the KOHO mobile app. Cheque deposits aren't available on KOHO Web. If your device isn't verified, we'll send a verification email to the email address on your KOHO account. Open the email and follow the verification link, then return to the KOHO app and try depositing your cheque again. * * * ## **How do I deposit a cheque?** Here's how: 1. Open the KOHO app and tap **Add money** 2. Select **Cheque deposit** 3. Tap **Get started** 4. Enter the amount written on your cheque 5. Enter the date written on your cheque 6. Take a photo of the front of your cheque, then the back 7. Review everything on the **Confirm your cheque details** screen 8. **Slide to deposit** Once you've submitted your cheque, we'll show you how much is available, how much is being held, and when the rest is expected to become available. Some or all of your funds may be held while your cheque is being processed. See [**When will my cheque deposit be available?**](https://help.koho.ca/en_us/when-will-my-cheque-deposit-be-available-rk8wp7Nqfl) for more about holds and deposit timing. * * * ## **What cheques can I deposit?** You can deposit **regular cheques, bank drafts, certified cheques, money orders, and government cheques** as long as they: * Are in Canadian dollars * Are issued or payable in Canada * Are made out to you * Are dated today or earlier * Are less than 6 months old * Are the original paper cheque You can't deposit: * A cheque made out to someone else * A cheque that's been signed over or endorsed * A cheque made out to more than one person * A photocopy, scanned copy, PDF, or printed image of a cheque * A cheque in US dollars or another currency * A cheque from a financial institution outside Canada * A post-dated cheque * A cheque that's 6 months old or older * A cheque that's already been deposited You can only deposit one cheque at a time. * * * ## **How much can I deposit?** You can deposit: * Up to $50,000 per cheque * Up to 3 cheques every 15 days Each cheque counts toward your limit for 15 days after you deposit it. Once 15 days have passed, it no longer counts toward your limit. If you've reached your limit, the KOHO app will show you the date you can deposit another cheque. This limit can't be increased or removed.  If a cheque is returned, declined, or cancelled, it won't count toward your 3-cheque limit. * * * ## **Why wasn't my cheque accepted?** If there's a problem while you're depositing your cheque, you'll see an error message in the KOHO mobile app. The message will let you know what went wrong and, when possible, what you can do to fix it. A cheque can also be declined after you've submitted it. If that happens, we'll let you know in the app, and no money will be added to your account. Some common reasons include: * **The amount or date doesn't match:** Make sure the amount and date you entered match what's written on your cheque, then try again. * **Your cheque is post-dated:** Wait until the date written on the cheque before trying again. * **Your cheque is too old:** You can only deposit cheques that are less than 6 months old. * **Your cheque has been signed or endorsed:** Cheques that have been signed on the back or signed over to someone else can't be deposited with KOHO. * **You've already deposited the cheque:** The same cheque can't be deposited more than once. * **You've reached your deposit limit:** You can deposit up to 3 cheques within a rolling 15-day period. The app will show you when you can deposit another one. * **You're outside Canada:** You need to be in Canada to deposit a cheque. If you're using a VPN, turn it off, then close the KOHO app completely and open it again before you try depositing your cheque. * **We couldn't read your cheque:** Try taking new photos. Make sure the cheque is flat and well lit, all four corners are visible, and the information is clear and readable. If your cheque deposit doesn't go through, no money will be added to your account, and no hold will be placed. If there’s an issue with the cheque itself and you’re unable to deposit it, you may need to ask the person or organization that gave it to you for a replacement. Still having trouble? Reach out to our support team through the KOHO mobile app or web app for more help. * * * ## **Tips for taking photos of your cheque** You'll need to take the photos directly in the KOHO app. You can't upload photos from your camera roll. For the best results: * Place your cheque flat on a surface * Make sure there's good lighting * Keep all four corners visible * Make sure all the information is clear and readable * * * ## **What should I do with the paper cheque?** Keep the original cheque for 20 days after you deposit it, just in case we need to verify it. Don't deposit it again with KOHO or another financial institution. After 90 days, you can securely dispose of the cheque.