Photo Check Deposit

Depositing checks with your phone

You can find the check deposit button in the navigation drawer of the Android app (tap Payments & Transfers, then Deposit Check). Once you tap that button, you'll be guided through the process of submitting a check for review.

You can find the Deposit Check button in the Payments & Transfers tab of the iOS app (it's the center tab on the menu at the bottom of the app). Once you tap that button, you'll be guided through the process of submitting a check for review.

You can submit a check with our iOS and Android apps. Just tap the Deposit Check button, and you'll be guided through the process of submitting a check for review.

Since we'll be using your photo to create a legal copy of the check, make sure the image is clear and it includes four corners of the check.

Once check is submitted, we'll review it and send you a support message. Please don't write on the check or destroy it until we've confirmed it's been accepted (it's a good idea to hang on to the deposit for 60 days after submitting it, just in case.)

If you submit a check and then realize you’d like to cancel the deposit, give us a call at 888-248-0632 as soon as possible. Depending on the timing, we may be able to cancel your submission.

Whenever possible, submit your deposits before 5 p.m. ET (2 p.m. PT) on a business day. This helps us make your funds available as quickly as possible.

This feature is disabled for my account—why?

If your account becomes overdrawn, Photo Check Deposit is automatically disabled as a security measure. If this happens, there are a few ways to fund your account and re-enable Photo Check Deposit. You can transfer funds from an External Account, set up Direct Deposit, or deposit the check by mail. You can also give us a call at 888-248-0632; we may be able to offer you additional tips over the phone.

How much can I deposit with Photo Check Deposit?

Your individual Photo Check Deposit limit can vary based on a few factors (like how long you've been with Simple, or how many checks you've deposited recently).

To find out your current limit:

  1. Check the mobile app. From the Payments & Transfers tab, tap Deposit a check to show your current limit.
  2. Talk to us! You can give us a call at 888-248-0632 or send us a support messagesend us a support messagesend us a support message, and we'll let you know your current limit.

If you have a large check (yay!), that's over your limit you can deposit it by mail.

When will my funds be available?

Generally, the funds will be available after 1 business day. If you submit a deposit before 5 pm ET/ 2 pm PT, we can start processing it that day. Accounts under 31 days old are subject to an extended hold of 9 business days.

You can get the full scoop in our article on check holds.

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