Updated
Deposit a check
Note: This support article only applies to Individual and Joint Cash Accounts with checking features.
Requirements
You can deposit checks to your Individual or Joint Cash Account with checking features if you’ve held an average balance of at least $1,000 across all your Wealthfront accounts for the last 30 days.
Deposit a check
You can deposit a check using our mobile app for iOS or Android.
Before depositing your check, please look over your check and make sure:
- the check is made out to the owner of your account (for Joint Cash Accounts, the payee name needs to exactly match at least one owner’s name)
- the amount written in words matches the amount written in numbers
- the check was written within the past 6 months
To deposit your check:
- Open the app. Tap Transfer (the icon looks like two arrows), then tap Deposit a check
- Enter the amount of your check
- Sign the back of your check and write “for mobile deposit only” under your signature
- Take photos of the front and back of your check
• Use a well-lit, dark-colored surface
• Capture all four corners of the check
• Make sure every detail is clear - Confirm your deposit. In this step, we’ll give you a good estimate of when your funds will be available.
What types of checks don’t you accept?
We're able to accept and process most checks, but there are a few types we’re not able to accept.
We’re unable to accept:
- Cashier's Check
- Money orders
- Traveler's checks
- Cash advance checks from credit card issuers
- Checks that aren't in an account owner’s name (e.g. checks written to another person or a business)
- Checks from international banks or checks that are not in U.S. dollars
- Photocopies of checks or printed eChecks
- U.S. Savings Bonds
Limits on check deposits
Availability of check deposits
The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account.
Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers certain Wealthfront Cash Accounts account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.
Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.
The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as a solicitation or offer, or recommendation, to buy or sell any security.
Wealthfront Brokerage is a wholly-owned subsidiary of Wealthfront Corporation.
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