Add Money from Checks Using Mobile Check Capture by Ingo® Money

Question 1

What is the Mobile Check Capture feature?

Accepted Answer

You can add money from checks directly to your Serve Account using the Mobile Check Capture feature in the Serve Mobile App on your iPhone^® or Android^TM device^*. Fees and limits apply.

Mobile Check Capture transactions are conducted by Ingo Money in accordance with the First Century Bank, N.A. and Ingo Money, Inc. Terms and Conditions and the First Century Bank, N.A. and Ingo Money, Inc. Privacy Policy.

Don’t have the Serve app? Download it for free from the App Store or Google Play.

^*Data rates may apply. iPhone is a trademark of Apple Inc. Android^TM is a trademark of Google Inc.

Question 2

Who can use the Mobile Check Capture by Ingo^® Money feature?

Accepted Answer

You must be a Serve Main Accountholder to use this feature. Subaccount users cannot add money with Mobile Check Capture at this time.

Note: As of 2/13/2022, Mobile Check Capture is not available for use in the state of New York.

Question 3

How do I add money from checks with Mobile Check Capture?

Accepted Answer

Please follow these steps to add a check to your Serve Account:

Open and log in to the Serve Mobile App on your mobile device.
- Please note: to use the Mobile Check Capture feature you must be using either iOS 7 or Android^TM 4.0 or a more recent version of either operating system.*
Go to Money In and select Mobile Check Capture.
- If this is your first time using this feature you will need to first accept the First Century Bank, N.A. and Ingo Money, Inc. Terms and Conditions and the First Century Bank, N.A. and Ingo Money, Inc. Privacy Policy. Tap ‘Agree’ to accept these terms.
- You will also need to grant the Serve app permission to take pictures and access your phone’s camera. Tap ‘Allow’ to give permission.
Sign the back of your check.
Capture an image of the front of the check.
- For Android^TM users: Tap the first check image labeled "Front" and position your mobile device's camera at a slight angle over the check. Then tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.
- For iOS users: Tap the first check image labeled "Front" and position your mobile device's camera at a slight angle over the check. Align the image until you see a green outline. If you are having difficulties try clicking the "auto" option in the top right corner and then hover over the check and tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.
Capture and image of the back of the check.
- For Android^TM users: Turn the check over and tap the second check image labeled "Back". Position your mobile device's camera at a slight angle over the check. Then tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.
- For iOS users: Turn the check over and tap the second check image labeled "Back". Position your mobile device's camera at a slight angle over the check. Align the image until you see a green outline. If you are having difficulties try clicking the "auto" option in the top right corner and then hover over the check and tap the screen to take a photo. After that you will be presented with a preview image to accept or retake the photo.
Enter the amount of the check and follow the screen prompts to choose when you want your money:
- Using Money in Minutes, money from your check can be available within minutes for a fee. 1% fee on payroll or government checks with preprinted signatures or 5% fee on other checks; $5 minimum fee applies; $20 check minimum. See our list of fees for more detail.
- Using Money in Days, money from your check can be available in 10 days with no fee, if the check is not returned unpaid within the 10-day period. If your check is returned unpaid within the 10-day period, money will not be added into your Account.
Confirm the net amount (total amount of money from the check plus any applicable fees) to be added to your Account.
If you selected Money in Minutes and your check is approved, you will then be prompted to write “VOID” on the front of your check and submit an additional picture. Do not write “VOID” until you are prompted in the app.

*iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Android^TM is a trademark of Google Inc.

Question 4

How do I take a good image of my check?

Accepted Answer

Check images can be rejected due to a poor image capture. When taking images of your check please ensure the following:

The check is on a solid-colored background, front-side up.
Ensure none of the check information is covered up and that the room is brightly lit.
Ensure there are no shadows on the check.
Be sure the check fits just inside the guidelines.
The check is not wrinkled in any way.

Question 5

When will my check funds added by Mobile Check Capture be available?

Accepted Answer

If you choose Money in Minutes your money is generally available within 3-5 minutes but can take up to one hour. There is a fee for this.

If you choose Money in Days, your money will be available 10 days from the time you submit your check, provided your check is approved and it is not returned unpaid within the 10-day period.

Question 6

What are the fees associated with adding a check by Mobile Check Capture?

Accepted Answer

If you chose Money in Days, no fee is charged.

If you chose Money in Minutes, you will be charged a fee of either 1% or 5% of the check amount (minimum fee $5), depending on the check type, as follows:

Money in Minutes Fee Chart

(Fee deducted from the total check amount)

Question 7

What are the minimum and maximum check amounts I can add with Mobile Check Capture?

Accepted Answer

Checks added via Money in Days must be in an amount between $0.01 and $5,000. Checks added via Money in Minutes must be in an amount between $20 and $5,000. All checks added via Mobile Check Capture are subject to a $5,000 per day and $10,000 per month limit.

Question 8

What types of checks are eligible for adding money with Mobile Check Capture?

Accepted Answer

All checks must be made out to you, endorsed by you, and drawn on a bank account in the United States or a U.S. territory.

Eligible checks include, but are not limited to:

Payroll and government checks with a pre-printed signature (Example: Tax Refund)
Business checks
Payroll checks with a handwritten signature
Personal checks
Insurance checks (settlement checks)
Attorney checks (settlement checks)
American Express Travelers Cheques
Cashier’s checks
Money orders
Rebate and refund anticipation checks

Please note that the following check types are generally not accepted:

Checks you write to yourself
Conditional endorsement checks
Counter and starter checks
Credit card checks
Customer appreciation certificates
Gift certificates
Checks that are post-dated
Warrants
Travelers checks not issued by American Express
Checks that are not made out to you

Question 9

Why is my personal information required to use Mobile Check Capture? What information is shared?

Accepted Answer

In order to use Mobile Check Capture, Ingo Money Inc. and First Century Bank, N.A. requires your personal information to provide you access to their services, for example, to identify you, to process transactions, and to provide and improve their services to you.

For Serve^® American Express^® Prepaid Debit Accounts, American Express will share your personal information, including SSN, and date of birth, and information regarding your Serve Account with Ingo Money Inc. and First Century Bank, N.A. to help service your Mobile Check Capture request.

For more information, please refer to First Century Bank’s and Ingo Money’s Privacy Policy.

Question 10

When should I write “VOID” on my check?

Accepted Answer

Write “VOID” on your check only when you are prompted in the Serve app. You will be prompted if you selected Money in Minutes and your check has been approved.

Question 11

Why was my check declined?

Accepted Answer

All checks submitted by Mobile Check Capture are subject to Ingo Money’s review for approval. Ingo Money may be unable to approve a check and cannot always tell you exactly why a check is declined; however, below are some examples of reasons a check may be declined:

The check was not written to you, as your name appears on your Serve Account.
The check was not endorsed.
The amount of the check is more than $5,000.
The amount of the check will cause you to exceed the applicable limits.
One or both of the check images are illegible. Please refer above to our tips for how to take a good image of your check.
The check is not an acceptable check type. Please refer above to our list of generally accepted check types.
A properly voided image of the check was not received. If you have issues with submitting your voided check image, please call Ingo Money Customer Service at (229) 276-3887 for assistance.
The check was written from a closed or compromised account.

If your check is declined, you will be notified in the Serve app and by the primary email associated with your Serve Account. Money will not be added to your Serve Account and no fee will be assessed.

Question 12

How do I contact Ingo Money if I have questions about Mobile Check Capture transactions?

Accepted Answer

You can reach out to Ingo Money directly by contacting Ingo Customer Service at (229) 276-3887 or by sending an email to help@ingomoney.com.