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! 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.

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