Auto Debits

Auto Debits

Making payments via auto debit

When you’re making a payment with a merchant, 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?

First, head to the merchant's website to see what they ask for. You'll definitely need your account and routing numbersaccount and routing numbersaccount and routing numbers and may possibly need a bank address. (If you already have your account number our routing number is 062201601.) If they do need an address, give them the name and address of our partner bank:

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.

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. 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.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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