What kinds of checks cannot be processed?

What kinds of checks cannot be processed?

Please note, the following kinds of checks cannot be processed:

• Checks payable to any person or entity other than the customer
• Checks containing alterations, illegible items, fraudulent checks, or checks that you have reason to believe were fraudulent
• Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer
• Checks from financial institutions located outside of the United States; checks that are not payable in U.S. dollars
• Checks that are stale dated (more than six (6) months old)
• Checks that are post-dated, or payable on a date in the future
• Substitute Checks (a digital reproduction of the front and back of an original check)
• Remotely created checks (a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature)
• Travelers checks and savings bonds
• Non-negotiable instruments, such as promissory notes
• Counter checks (checks from a teller window)
• Money Orders
• Screenshots or screen grabs of check images
• Any items made out to “CASH”

Eligibility for Check Deposit is based on account history, activity, and other criteria. Eligible customers will see the feature in their accounts within 30 days of account creation. If you opened your account more than 30 days ago and you do not have Check Deposit, you may submit a request here. Please note that we review each request, though review does not guarantee eligibility for this feature.