Deposit by Mail

Deposit by Mail


What deposits are best submitted by mail?

There are a few types of checks that must be deposited by mail: checks that exceed your Photo Check Deposit limit, plus starter checks (also known as temporary or counter checks). If we're unable to scan or process a deposit via Photo Check Deposit, we may ask you to mail it in. You may also choose to mail in checks if you would like to deposit more than 5 checks per day, or if your mobile device is broken.

How to make a deposit by mail

To deposit a check by mail, endorse the check by signing it and writing "for deposit only, Simple" on the back, and write your account number under the endorsement. Be sure to include this information: without it, we may not be able to locate your account and process your check.

Then, mail it to one of the addresses below. We recommend using certified mail so that you'll have a tracking number.

If you're sending the check by USPS mail:

BBVA USA
Attention: Vault Services
P.O. Box 515
Birmingham, AL 35201-0515

If you use an express delivery service like FedEx or UPS:

BBVA USA
Attention: Vault Services
701 32nd Street South
Birmingham, AL 35233

When will my funds be available?

Take a look at our Check Holds article to learn all the details!

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Important! This account is for your personal use only

An increasing number of customers are being targeted by fraud scams. Before you apply, review these guidelines to help prevent you from being involved in fraudulent activity.

Do not open an account on behalf of someone else
If anyone asks you to open a Simple Account to receive funds, it is an attempt at fraud. Common fraud attempts include requesting that you open an account to receive a gift or bonus offer, obtain a job or job training, or help someone else receive funds (such as unemployment benefits).

Do not share your login or account information with anyone
Neither Simple nor any other legitimate institution will ever ask for your account information. If any third party requests your Simple Account login information, it is an attempt at fraud. Sharing your account information with another person or allowing someone else to use your account to receive funds is a violation of the Simple Deposit Account Agreement terms and conditions and can expose you to fraud.

Actions we may take if fraud is suspected

We take fraud and security very seriously at Simple, and take rapid action in the instance of suspected fraud attempts.

We may freeze and close accounts
We may freeze and close accounts if fraudulent activity is suspected, including the following circumstances:

We will report fraud attempts
We are responsible for reporting fraud attempts to authorities, including attempted unemployment fraud. 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.

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