All Collections
Account Management
How do I deposit a check into my account?
How do I deposit a check into my account?
Updated over a week ago

You can deposit a check into your Oxygen account using the Ingo check deposit feature from your Oxygen app as long as you have an active Oxygen Visa Debit Card.

Step 1: Go to 'More tab in the app

To deposit a check from the Oxygen app, choose “More” > “Cash a check\Scan a check.”

This will connect you with Ingo’s check deposit feature home page.

Step 2: Follow the prompts

a. Scan a clear photo of both the front and back of the check you’re depositing and enter the amount of the check.

b. You may choose to deposit your check for free at the standard 10 business days, or you may deposit your check within minutes to access those funds immediately for a small fee (The standard fee is 2% of the check amount for payroll and government checks with a pre-printed signature, and 5% for all other accepted checks. The minimum fee is $5 per check.).

You can deposit most types of government, payroll, personal, and other checks into your Oxygen account for review and approval.

All checks must:

  • Have the check writer’s name and address preprinted on the check

  • Be dated on or before the date you submit the check

  • Match the name on your account

  • Have matching numbers in the two amount lines

  • Be signed by the check writer

  • Be endorsed by you (Your name (endorsement) must match the name from the payee line on the front of the check.)

Ingo generally does not accept:

  • Credit card checks

  • Traveler’s checks

  • “Starter checks” or other checks that do not have the check writer’s name and address preprinted on the check

  • U.S. Savings Bonds

  • Checks from accounts located outside of the United States or payable in currency other than U.S. dollars

  • Checks you have written to yourself

What if I have issues depositing a check?

If you have any issues depositing a check using Ingo mobile check deposit, we kindly suggest that you get in touch with our partner, Ingo. Ingo is responsible for verifying the check, and if approved, will deposit the funds into your account. You can reach Ingo directly at (229) 276-3990 or via email at They will be able to assist you further and help you resolve the issue promptly.

Does Oxygen offer physical checkbooks?

Oxygen doesn’t offer physical checkbooks at this time; however, you can pay bills by check using our bill pay feature.

Did this answer your question?