Deposit Requirements

Deposit Requirements


How to endorse a deposit

If you're submitting a deposit through the mobile app, you'll automatically be prompted to sign the back and write your Simple account number below your signature. You'll also need to write "for mobile deposit only, Simple". Make sure to use ink—not a pencil.

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If you're mailing the check in for deposit, you'll need to endorse it by signing the back, writing your account number below your signature, and adding "for deposit only, Simple". Be sure to include this information: without it, we may not be able to locate your account and process your check.

Filling out a money order

If there's a place for the purchaser's signature, the person who bought the money order should sign there. Then, make sure your name is written in the 'Pay to' field and endorse the deposit normally.

Crucial parts of an acceptable check deposit

  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. description 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. 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.

  3. 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

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

  5. 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.

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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