Banking used to be simple but exhausting. You had to visit the banks at precisely their opening hours, wait in lines, and do everything by hand. Now, you don’t even need to leave your couch to deposit a check.

Digital banking has introduced mobile deposits, a banking feature that lets you take pictures of your checks and submit them through your bank’s mobile app. No more having to physically deposit your checks at branches.

But like all “too good to be true” conveniences, there are some things you need to know before relying on it completely. Here are five essential ones.

1. How Mobile Deposits Work

Think of it as turning your phone into a scanner and ATM combined. To initiate a mobile check deposit, start by opening your bank’s app. Choose the “deposit” option, take clear pictures of the front and back of the check, enter the amount, and submit.

Once your bank verifies the information, the money will be credited into your account. It’s simple in theory, but you still need to follow the rules. The key is to input accurate information and avoid blurry photos.

2. Deposit Limits Exist

Most banks don’t let you deposit unlimited amounts through mobile. They typically have daily or monthly limits, especially for new accounts. Some banks let you deposit a few thousand dollars per day, while others might cap you at a few hundred.

If you’re planning to deposit larger checks, you’ll need to either split them across days or visit a physical branch. Always check your bank’s policy so you’re not surprised mid-deposit.

3. Image Quality Matters

A smudged photo, bad lighting, or a cut-off edge of your check can lead to rejection. A clear and non-blurry picture is crucial to pass the evaluation check and get your deposit cleared successfully. And yes, banking apps do have proper cameras for taking good-quality pictures.

Just focus on getting good light, clear angles, and no shaky hands. Most apps will guide you with on-screen boxes to align your check. Follow them.

4. Funds May Not be Available Immediately

One of the biggest misconceptions is that mobile deposits equal instant cash. They don’t. Some banks give you partial access right away, but the rest may take a day or two, or even longer if the amount is larger than average.

If you’re relying on the deposit for something urgent, plan ahead instead of waiting until the last minute. Apps like SoFi take one to five business days to clear checks.

5. Don’t Throw Away the Paper Check

Once you’ve successfully deposited your check, your next thought might be to toss it in the trash. Don’t do that. Banks recommend holding onto the paper check for at least two weeks, just in case something goes wrong.

Think of it as a backup plan. When you’re sure the funds have cleared, you’re free to throw the check away. Never just toss it in the bin intact, by the way; it’s best to shred it.