What kinds of checks cannot be deposited? (2024)

FAQs

What checks are not accepted? ›

The following are not eligible for Mobile Deposit: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), non-American Express traveler's checks, cash, checks that are ...

Personal, business, and payroll checks are good for 6 months (180 days). Some businesses have “void after 90 days” pre-printed on their checks. Most banks will honor those checks for up to 180 days and the pre-printed language is meant to encourage people to deposit or cash a check sooner than later.

A bounced check is slang for a check that cannot be processed because the account holder has non-sufficient funds (NSF) available for use. Banks return, or “bounce,” these checks, also known as rubber checks, rather than honor them, and banks charge the check writers NSF fees.

Third-party checks, checks issued outside the US, incomplete and post-dated checks. Savings Bonds, Traveler's checks and Money Order are also not accepted and other restrictions may apply.

Some reasons why a bank won't cash a check include not having a proper ID, not having an account with that bank, the check is filled out incorrectly, or the check being too old. Ensure you comply with all the required criteria before attempting to deposit a check.

The system may automatically reject checks for any of the following reasons: The check image isn't readable. The check is folded or torn. The check isn't signed on the front or on the back.

Traveler's checks. Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). Checks payable to you and another party who is not a joint owner on the account.

Check was not written to you, as your name appears on your Ingo^® Money account. Check was not endorsed. Amount of the check is less than $5 or more than $5,000. Amount of the check will cause you to exceed the daily, weekly, or monthly funding limits for your card.

Banks must ensure that the checks deposited through the app are legitimate. For this reason, there's a comprehensive verification process banks set up when you deposit a check from anywhere.

What are the rules for depositing checks? ›

What Happens If a Check Is Never Cashed? Checks that remain outstanding for long periods of time can't be cashed, as they become void. Outstanding checks that remain so for a long period of time are known as "stale" checks. Some checks become stale if dated after 60 or 90 days, while all become void after six months.

Checks that don't contain a nine-digit U.S. routing number. Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. Checks made payable to a business.

Some check types aren't eligible for mobile deposit, including: Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). Checks that don't contain a nine-digit U.S. routing number.

Irregular perforations (or micro-perforations)

Genuine checks are generally perforated and have at least one rough edge [*]. A lack of perforations and rough edges could indicate a fake. Scammers are increasingly using their own printers with MICR capability to produce their own checks.

Outstanding checks that remain so for a long period of time are known as "stale" checks. Some checks become stale if dated after 60 or 90 days, while all become void after six months.

A bad check is a check the bank will not honor. There are three kinds of bad checks. Non-Sufficient Funds (NSF) checks: A check is NSF if there is not enough money in the account to pay it or the account is closed. Stop Payment checks: The person who wrote the check told the bank to stop payment.