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Auto Debits

For the most accurate info, select your account’s partner bank.

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Your partner bank is in your card number.

Check the first two digits: “40” means BBVA Compass, “48” means Bancorp. You can also sign in to Simple and check your “Account Numbers” screen.

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 post to your account Monday through Friday. It usually takes 1-5 business days for them to process, and you'll see them appear in your Activity at around 8 a. m. ET (5 a.m. PT).

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:

The Bancorp Bank
PO Box 15329
Wilmington, DE 19885-5329

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.

What happens if I overdraft?

First off, we don’t charge any overdraft fees. If a transfer overdraws your account balance, it will generally be automatically returned unless you receive enough funds to cover it later that day or very early the next morning. The funds from an unsuccessful transfer will return to your account after two business days. For example:

  • If a debit comes through and overdraws your account Monday, it will generally be returned, and you’ll see the funds reappear in your account Wednesday.
  • If a debit comes through and overdraws your account on Monday, but you happen to get paid on Tuesday, the payment will usually go through just fine!

Pending charges from your card may render the funds unavailable for transfers out, so it's a good idea to keep a small surplus in your account to prevent having an auto debit returned. If you’re concerned about a specific payment, give us a call at 888-248-0632 so we can check and make sure it goes through.

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.

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.

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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