How to Submit a Check Deposit Request
VirtualPostMail's Check Deposit Service (CDS) deposits your checks by using your bank's mail-in deposit service. Here's how it works:
- You receive new mail, have it opened and scanned, and discover that there is a check inside.
- You submit a check deposit request to us via email.
- Your deposit is mailed to your bank.
- Your bank receives and processes your deposit.
- You see the money in your bank account.
To use VirtualPostMail CDS:
- You must have a VPM Mailbox in good standing.
- The mail containing the check must be opened and scanned first.
- Your bank must support mail-in deposits.
- The name on the check must match the name on the bank account.
1. Have your mail opened and scanned.
The mail piece must be opened and scanned before a deposit can be made. This required step confirms that there is a check inside the mail piece and also act as an authorization for us to access the contents of your mail.
2. Email us a check deposit request.
Write down the 12-digit item number - it's a string of numbers, usually next to or below the mail image (usually starts with 11177x xxxxxx) and the check amount. Then send an email to us at email@example.com. The email must contain the following information for us to process your request as fast as possible:
- Mailbox number: For verification purposes.
- Mailbox location: For verification purposes (ex: Walnut)
- Item number and check amounts: The 12-digit item number of the mail containing the check, and the check amount. To deposit more than one check, please include the item number and check amount for each check.
- Total amount to deposit: Add all the check amounts to be deposited.
- Bank account information: Provide the bank name, account number, and accountholder's name.
- Mail-in address: The mailing address to send the deposit to. If the bank is one of the supported banks listed below, you do not need to include the address. But by including the address, you can have your deposit request processed faster.
- If you are looking to get your deposits mailed via FedEx or UPS - these couriers will not deliver to PO Boxes, please verify with your bank to see where they will accept deposits sent by these couriers.
For your convenience, here is a sample email template has been included that you can copy and paste when submitting a request to us. Just fill in the appropriate information.
Dear VPM, Please deposit the following checks on my behalf. Mailbox number: Mailbox Location: Bank: Account number: Name on account: Item number: Check amount: Item number: Check amount: Item number: Check amount: Total deposit: Thank you! Love your awesome great service! :)
Okay, the last line is optional... but it makes us feel good.
3. Request additional services (optional).
- Delivery method - Each deposit includes mail delivery using USPS First-Class with tracking. We do not support mailing deposits via non-trackable methods. If you wish to use other delivery options, please include it in your request. Extra fees will apply. Here are a few examples:
- USPS Priority Mail -- Delivery is faster (2-3 business days) and comes with tracking.
- USPS Express Mail -- Delivers in one business day in most cases. Comes with tracking.
- Foreign checks - Many banks allow you to deposit foreign checks. If you receive these, make sure to specify the currency in the request. We also make a special note on the deposit slip for you.
How Your Request Gets Processed
Once your request is received, we:
- Fill out a custom deposit slip with the bank information you gave us.
- Endorse each check with "For Deposit Only" and your bank account number below it.
- Place the deposit slip and checks in a secure envelope and mail them to the proper location.
VirtualPostMail actively maintains a list of mailing addresses for banks that we have made deposits to in the past. Below is a partial list of banks we support. It is not comprehensive.
- Bank of America
- Wells Fargo
We can mail the deposit to any bank as long as that bank supports mail-in deposits. Many online banks and online brokerage firms accept deposits by mail. If you are not sure, then call your bank to find out first.