Rollover that was deposited to my checking account

A rollover must be deposited in a qualified retirement account (Traditional IRA, 40i(k)) with  60 days of the receipt of the funds. See this IRS document.

If you didn't rollover your 401(k) distribution to a qualified account within the 60-day period, you'll be taxed on the distribution, and if you 're younger than 59 1/2, you'll have to pay the 10% early withdrawal penalty.

However,  you can make a late rollover contribution – rollover after the expiration of the 60-day period - if you:

1. Are entitled to an automatic waiver of the 60-day rollover requirement,
2. Request and receive a private letter ruling waiving the 60-day requirement,
3. Qualify for and use the self-certification procedure for a waiver of the 60-day requirement.

Please read this IRS FAQ for the details and conditions of the waivers.