Auto Debits

Auto Debits


Making payments via auto debit

When you’re making a payment, you may have the option to pay via auto debit, with your account and routing numbersyour account and routing numbersyour account and routing numbers. These payments go through the ACH (automated clearinghouse) network, and there are a few things to keep in mind when using them.

How long does it take?

Auto debits are usually processed in 1-5 business days.

What information do I need to set up an auto-debit?

You'll need your account and routing numbersaccount and routing numbersaccount and routing numbers. The merchant may also need the bank address. If they do, give them the name and address of our partner bank:

BBVA Compass
P.O. Box 515
Birmingham, AL 35201-0515

Some merchants will ask for a voided check when you set up an auto-debit. When this happens, head over to our Direct Deposit form on the web. It has a voided check on it, which you can download and print after filling out the form.

Common questions about auto debits

What if there isn't enough money in my account to cover an auto debit?

If there aren't enough funds in your account to cover an auto debit when it’s attempted, it won’t go through. You won't see any transaction for the attempt in your account, but we’ll send you a heads up via support message. This message should come within a business day after the auto debit is attempted.

Can I dispute an auto debit?

If you didn't authorize an auto debit, or there's something wrong with it (for example, it was withdrawn too early or the merchant overcharged you), we can dispute it. Just give us a call at 888-248-0632 or send us a support messagesend us a support messagesend us a support message.

Can I prevent future auto debits?

We can attempt to block a specific merchant from withdrawing funds from your account. We're only able to block debits for a specific amount (for example, if you have a subscription for $20 per month and you cancel it, we can block future debits for $20, but not debits for $10). If we're unable to block a payment, you can always dispute it.

The first step is to contact the merchant and let them know you no longer authorize them to withdraw funds from your account. We cannot block a merchant until you’ve asked them to cancel the payments on their end.

Then, give us a call or send us a message! We need a lot of specific information about the merchant to block them, but if they’ve debited your account in the past, we already have it. If they haven’t, we’ll have to wait until a debit comes through, dispute the debit, and then block the merchant.

Once the block is placed, further debits from the merchant will be automatically stopped.

Occasionally, a merchant will try to debit your account using slightly different identifying information than usual. Since we use that information to determine which debits to block and which to allow, there’s a chance that these debits will not be blocked.

eChecks

Some merchants will use your account and routing numbers to draw an eCheck off your account. An eCheck is a type of ACH transfer that’s coded like a personal check. Since Simple does not support personal checks, it can't support eChecks. When you're setting up an auto debit with a merchant, it's a good idea to ask them if the payment will be processed via eCheck. Some folks aren't clear on the distinction between eChecks and other types of ACH, so you could also ask them if the payment will have a check number. If it will, that means it'll be processed as an eCheck and it won't go through.

Diagnosing an eCheck
If a merchant does attempt to debit your account via eCheck, they'll get a message saying that the payment was returned, and you won't see the payment on your transaction list. If this happens, give us a call at 888-248-0632 or send us a message—we can help.

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