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Why is my check taking a while to be deposited?

Find out why your check deposit may take some time to show up in your account.

Updated yesterday

Why can a check deposit take between 3 and 6 business days to be deposited? 👀

Here’s what happens at each step of the process:

  1. Check Deposit:
    It all starts when you upload a photo of your check through our app. The sooner you do this, the quicker the deposit process can begin.

  2. Check Review:
    Our team reviews the check to make sure it's valid, readable, and meets all necessary requirements. This step usually takes up to 1 business day.


    💡 Important:
    The time you upload the check is not the same as the time it's approved.

    • If your check is approved before 2:00 PM ET on a business day, it gets processed that same day.

    • If it’s approved after 2:00 PM ET, it will be processed on the next business day.


  3. Issuer Bank Confirmation:
    Next, the bank that issued the check needs to confirm there are enough funds. This step can take 1 to 2 business days.

  4. Funds Transfer:
    Once the funds are confirmed, the issuing bank sends us the money. This transfer can take another 1 to 2 business days.

  5. Deposit into Your Comun Account:
    As soon as we receive the funds, we deposit them into your account. This final step may take an additional 1 to 2 business days.

We know waiting can be tough, especially when it comes to your money. To help speed up the process, follow these tips from your Comun account:

  • Use your physical or virtual card frequently

  • Send remittances to your home country

  • Connect your direct deposit

These actions help us learn more about how you use your account—which means faster processing times for you in the future. 💙

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