401(k) Rollover to Vanguard: Mobile Deposit Instructions

Step-by-step guide

Here is a step-by-step guide on how to deposit a 401(k) rollover check into a Vanguard IRA using the Vanguard mobile app:

1. Open the Vanguard app and log in to your account.
2. Click on the “Transact” tab in the bottom navigation bar.
3. Scroll down and click “Rollover” in the “Move Money” section.
4. Select “Continue” on the “Before continuing with your rollover” screen.
5. Press “Select an account” and choose the IRA that you want to deposit your rollover check into.
6. Press “Select a funding source” and then choose “Mobile check”.
7. On the back of your check write “For Electronic Deposit only at Vanguard” (no need to endorse or sign your name).
8. Using the Vanguard app camera, take a photo of the front and back of your check. Be sure to take a clear picture of the check on a dark, flat surface, in a room with good lighting.
9. Once the photos of the check are added, input the dollar amount of the check.
10. Press “Preview” and review the details of your rollover deposit.
11. Select “Continue” and submit the rollover deposit.

See screenshots below.

It may take a few days to process your request, so keep your check safe for about a week until you’ve confirmed your check has been successfully deposited.

It’s good practice to write “Mobile deposit” along with the date of deposit on the front of your check.

After the check clears and you see the funds in your account, keep the check in a safe place for a few more days to confirm there were no issues and then destroy it.

Screenshots