> The only things that are checked are the digits of the amount, and the account number.
YMMV. Simple won't let me deposit a check made out to "Me and Wife" in my personal account - I can only deposit it in our joint. They'll permit me to deposit "Me OR Wife".
I had a really negative issue with Simple: a garnishment (wasn't my garnishment -- there's someone with my same first and last name with the same birth date who has a different middle name) that was incorrectly applied to my account. When I presented Simple (and their controlling bank) notification from the garnishing agency that they had garnished the wrong account (and deposited the check from the garnishing state's treasury back into my account), Simple's response was...to garnish my account.
Suffice to say, I went back to my neighborhood bank.
To Simple's credit: Their customer support was beyond fantastic -- they were at the mercy of their controlling bank...who was receiving the garnishment request.
When Simple switched banks last year, I received a check in the mail for $3 and change for the amount that I had left in my account after moving my direct deposits and such over. Just...a massive headache.
Yeah, I'm really baffled as to why people write checks this way, I've schooled a few people on this - always write Person 1 OR Person 2, that way either of them can handle it the way that make most sense for them. Whenever I pointed out the issue with writing "and," I always get "oh, I didn't know that." To me that's obvious?
I suggested that approach, as well as having her file a support request authorizing it through her own Simple account. Apparently their parent bank's policies prevent both.
This was before they had the joint offering, so we had to request a new check. Now we just put stuff in the joint.
YMMV. Simple won't let me deposit a check made out to "Me and Wife" in my personal account - I can only deposit it in our joint. They'll permit me to deposit "Me OR Wife".