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Welcome to the
GO2bank™ Help Center
How can we help?

  1. Help
  2. Move money
  3. Cash a check
  4. Why wasn’t my check approved?

Why wasn’t my check approved?

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.

Related questions

  • Why am I not eligible to cash a check?
  • Can I cash a check with the GO2bank app and have the money added to my account?
  • Who is Ingo Money? How does GO2bank cash my check?

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Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

GO2bank is Green Dot's flagship digital bank. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners.

GO2bank also operates under the following registered trade names: Green Dot Bank, 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 up to the allowable limits.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services.

Neither GO2bank, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Ingo Money, Q2 Software, Plaid, or any eGift Card merchants. Partner terms and conditions apply.

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