All checks submitted through the Ingo Money service are subject to review for approval, and most checks are approved. There are times, though, when Ingo Money is unable to approve a check due to inconsistencies in check images, limit-related issues, insufficient check verification data, or information about the check writer’s account. Unfortunately, Ingo Money cannot always tell you exactly why a check is declined because privacy regulations prevent sharing a check writer’s account information with you.
Below are some examples of why checks may be declined:
- Check was not written to you, as your name appears on your GO2bank 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 selected account.
- Amount of the check will cause you to exceed the daily or monthly check cashing limits or the maximum balance allowed on your selected account. See check limits.
- Check images are illegible or do not pass authenticity screening.
- Check is a single-party check (drawn on another account you own), a temporary check, a credit card check, or another unusual check type Ingo Money does not support.
- A properly voided image of the check was not received. If you need to resubmit your voided check image, call GO2bank check cashing service provider - Ingo Money at (229) 276-3990
- Sufficient information could not be verified on the check writer’s account.
- Check was written on a closed or compromised account.
If your check is declined, you will be notified in the app, by push notification (if you have enabled this service for the GO2bank app) and by email. Your account will not be funded, and no fee will be assessed. You may attempt to deposit or cash your check with another service provider, or you may contact the check writer and request a new check or a different method of payment.