Photo Check Deposit

Photo Check Deposit

Depositing checks with your phone

  1. You can find the check deposit button in the navigation drawer of the Android app (tap Move Money, then Deposit a check).
  2. Tap that button, and you'll be guided through the process of submitting a deposit for review.
  3. Once the deposit is submitted, we'll review it and send you a support message.
  1. Swipe right to pull up the navigation menu.
  2. From there, tap Move Money.
  3. Tap Deposit a check and you'll be guided through the process of submitting a deposit for review.
  4. Once the deposit is submitted, we'll review it and send you a support message.

You can submit a check or money order with our iOS and Android apps. You'll see this option in the Move Money menu.

Things to keep in mind

  • Whenever possible, submit your deposit before 5 p.m. ET (2 p.m. PT) on a business day. This ensures we'll be able to start processing it that day, making your funds available as quickly as possible.
  • Since we'll be using your photo to create a legal copy of the deposit, make sure the image is clear and it includes all four corners of the deposit. Please don't write on the deposit or destroy it until we've confirmed it's been accepted.

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 Move Money tab, tap Deposit a check to show your current limit.
  2. Talk to us! 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 p.m. ET (2 p.m. 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.

Did you find this article helpful? Yes / No
Aw man. Thanks for letting us know!

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.

I acknowledge that I have read this notice Continue Application