Checks We Can’t Process

Checks We Can’t Process

We're able to accept and process most checks and money orders, as long as they're properly written and endorsed, but there are a few specific types of deposits we’re not able to accept.

We cannot accept:

  • Checks that are written from another personal account you own. If you'd like to move money from another personal bank account to Simple, you can link an external account.
  • Cash advance checks from credit card issuers.
  • Traveler's checks.
  • Most loan checks.
  • Checks that aren't in your name, such as checks written to another person or a business.
  • Printed eChecks.
  • Checks from international banks or checks that are not in U.S. dollars.
  • U.S. Savings Bonds. If you have a bond you need to cash, you may be able to do so at a local bank (even if you're not a customer). There's usually a limit on the amount you can cash per day. The Treasury webpage outlines all the options for cashing bonds.

Hit us up if you're not sure whether or not we'll be able to accept a specific check. We're happy to take a look at it and see!

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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