Deposit any local check anytime wherever you are

EastWest Mobile Check Deposit is an easy and convenient feature which allows you to deposit your eligible EastWest and other local checks to your personal savings or checking accounts via the EasyWay App.

All active EastWest clients are eligible to use this facility.

• Savings Account

• Checking Account

• Join “AND/OR” Account

However, the following accounts are NOT eligible.

• Joint “AND” Accounts

• Time deposit Account

• Prepaid Cards

• Loan Accounts

• CASA Accounts with restrictions (i.e. Cash Basis Only, Dormant, Garnished)

• You must have access to the EasyWay App installed in your camera-enabled smartphone.
• The check must be drawn on EastWest Bank (on-us check) or other local bank (off-us check).
• The check must be payable in your name, for deposit to your valid EastWest savings or checking account. Checks payable to joint “AND” accounts will not be accepted.
• The check must be payable in Philippine currency, below Php 500,000.
• The check must not be dated older than 179 days from date of the check.
• The check must be completely filled out, signed and presented, in accordance with pertinent laws on negotiable instruments.
• The check must not have any erasures, alterations or deficiencies on the front or back of the check.
• The check must not have been previously presented, deposited, endorsed or negotiated.

1. On the App, tap “Deposit Check” then tap “Proceed”.

2. Select the receiving account, enter the amount, and take a photo of the check (front and back).

3. Review your transaction, agree to the “Terms and Conditions” and the tap “Confirm and Deposit”.

4. Authorize your transaction using biometrics or passcode.

5. Track the status of your mobile check deposit via Trace mobile check feature.

Please follow these guidelines:

TAKE A FRONT PHOTO OF THE CHECK

o Please make sure that details in the check are completely filled-out and has no erasures, alterations, or deficiencies on the front or back of the check.

o Take a photo in good lighting condition and avoid any reflections or shadows on the check.

o Crop and fit the check within the frame.

o Make sure your check is clear and not distorted.

TAKE A BACK PHOTO OF THE CHECK

o The following must be written legibly in dark-colored ink on the back/reverse side of the check:

• EASTWEST BANK
• Your Signature
• Your EastWest account number where the check will be deposited
• Date of deposit

To Illustrate:

Note: Availability of funds from mobile check deposits is subject to EastWest Bank’s verification and policies on check processing. Deposit limits and other restrictions apply. Checks will be subject to image quality checking to ensure compliance with EastWest Bank’s guidelines and PCHC standards. Only acceptable checks shall be submitted for clearing / processing.

You may track the status of your mobile check deposit via Trace mobile check feature or when the amount appears in the available balance you chose as a receiving account.

Yes, you may deposit a check anytime, but it will be processed within 2-3 business days and shall follow these guidelines:

1. Checks deposited within the 4:00 PM clearing cut-off during regular banking days will be processed within the day.

2. Funds from cleared on-us checks will be credited to your account on the same day.

3. Funds from cleared off-us checks will be credited to your account in accordance with existing procedures on local check deposits.

4. Checks received after the clearing cut-off, on weekends and banking holidays will be processed on the next clearing day.

To view the status, go to “Deposit Check” icon and tap “Trace Mobile Check”. You will be able to view all your mobile check deposits in the last 12 months. Status may be any of the following:

1. Approved – for on-us check deposit, check has cleared and funds have been credited to your account; for off-us check deposit, check has been accepted for clearing

2. Rejected – for on-us check deposit, check was dishonored or returned due to funding, technical defects or for not complying with applicable laws, regulations and bank policies; for off-us check deposit, check was rejected due to technical defects or for not complying with applicable laws, regulations and bank policies

3. Pending – check is still undergoing processing

After successfully submitting a check for deposit, please keep the original check for a minimum of 180 days or 6 months from the date of deposit and make it accessible to us at our request.

Currently, the use of the facility is FREE.

No, the Mobile Check Deposit facility is only accessible via the EasyWay App.

Currently, deposits are limited to less than Php 500,000 per check. Limits can change at any time. Please refer to the guidelines on the app.

1. Checks that are not payable to you. Deposits to joint “AND” accounts are also not allowed.

2. Checks drawn on overseas banks or payable in a foreign currency.

3. Checks that have alterations, erasures or mutilations.

4. Checks that are not signed.

5. Checks that are dated more than six months prior to the date of deposit.

6. Checks that have previously been returned, ordered for stop payment or account closed.

The EastWest Mobile Check Deposit facility requires access to your camera for capturing the check images. Activating the camera may vary depending on the type of mobile phone.

To activate your camera:

Android (setting changes may vary by phone type)

• Open the device Settings
• Select Apps
• Select the EasyWay App
• Select Permissions
•  Activate the camera

IOS

• Open the device Settings
• Choose the EasyWay App 
• Activate the camera

If you are receiving an error or warning message when submitting a check for deposit, there may be an issue with the captured image. To avoid this, please ensure the following:

1. Details written on the check are legible and in dark-colored ink.

2. There is sufficient lighting when you take a photo of your check and your camera lens is clean.

3. Give your camera time to focus on the image, being too close can make the check image blurry.

4. Take a clear and straight image of the entire front and back of the check so that details are sharp and legible.

5. Avoid shadows or other objects that may interfere with clarity of the check image, and make sure all 4 corners of the check are evident.

6. Crop the check as close as possible to the edge to minimize space around the check.

No, the check image captured will not be stored in your mobile phone.

No, a check will only be honored once. If the check was processed and cleared through the Mobile Check Deposit facility, the same check presented for subsequent deposit over the counter at an EastWest store will be dishonored. In the same manner, if the check is presented and cleared for deposit at an EastWest store, the pending Mobile Check Deposit made will be rejected upon processing.

No, mobile check deposits that have been successfully submitted for processing may no longer be cancelled.

No, any EastWest check that had been previously presented for deposit through any channel and was subsequently returned/dishonored/rejected may no longer be re- deposited through the Mobile Check Deposit facility. Please present the check for re- deposit at any EastWest store.

No, but the check for re-deposit over-the-counter will be rejected.

Your Mobile Check deposit will be rejected for the following reasons:

1. Check deposited is part of not eligible list.

a. Checks that are not payable to you. Deposits to joint “AND” accounts are also not allowed.

b. Checks drawn on overseas banks or payable in a foreign currency.

c. Checks that have alterations, erasures, or mutilations.

d. Checks that are not signed.

e. Checks that are dated more than six months prior to the date of deposit.

f. Checks that have previously been returned, ordered for stop payment or account closed.

2. The check is more than Php500,000 per check. Limits can change at any time. Please refer to the guidelines on the app.

3. The check is dated older than 179 days from date of the check.

4. The check has been previously presented, deposited, endorsed, or negotiated.

5. The check failed the Philippine Clearing House standards and rules

For inquiries or concerns on your Mobile Check Deposit transaction, please call our 24/7 Customer Service Hotline at +632 8888-1700.