Check Requirements

Check Requirements


What information does a check deposit need to have?

  1. The payor information. If you have a check lacking this info (known as a temporary, starter, or counter check) it's not eligible for Photo Check Deposit, but you can deposit it by mail. description

  2. Your name in the "Pay to the Order of" field. We can't accept checks that are made out to another person, even a friend or family member, except for minor children in your care. If you do have a check that you'd like to deposit for a minor child, shoot us a messageshoot us a messageshoot us a message and we'll let you know how to submit it. description

  3. If the check is made out to more than one person, we can accept if it's made out to "your name or another name," but not if it says "your name and another name" unless you're depositing it into a Shared account with that person. There is one notable exception to this rule: we can accept joint tax refund checks that are made out to you 'and' your spouse, even if you don't have a Shared account. You'll both need to endorse the check.

  4. A current date. We can accept checks up to 6 months after the date on the check, unless the check says it will be considered void before that point. description

  5. The amount. The check should have a written and a numerical amount, and they need to match. description

  6. The issuer's signature. description

Please note: the check also has to be legible and in reasonably good condition. If it's torn or voided, we cannot accept it; you'll need to get a new check from the payor.

Endorsing a deposit

To endorse a check or money order for deposit at Simple, sign it and add your account number. Make sure to use ink—not a pencil. description

How about a money order?

Money orders are easy to fill out. If the money order has a line for the purchaser's signature, make sure that the person who bought the money order signs it before you deposit it. Then, make sure your name is in the 'Pay to' field and endorse it just like a check (including your account number and signature on the back).

Are there any checks you can't accept?

Though we're able to accept most checks and money orders, there are a few rarer types of deposits we can't successfully process. You can find all the details here.

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