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You can deposit checks from any U.S. bank written in U.S. dollars. That includes personal, business and government checks. They must not be older than six months or dated in the future, and they must be written to you and only you as the Varo account holder. (Not to you and another person, including your spouse).
You can deposit any of these checks:
- S. Treasury Checks
- Personal and Business Checks
- State and Local Government Checks
- Treasurer’s/Cashier’s Checks
- Certified Checks
- Federal Reserve Bank Checks
- Federal Home Loan Bank Checks
- S. Postal Service Money Orders
You can’t deposit any of these checks:
- Checks payable to you and another person or entity (e.g. joint account checks)
- Checks containing alterations
- Fraudulent checks, or checks you should know or have reason to believe are fraudulent, or drawn against an account that has been closed or has insufficient funds for the transaction
- Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer
- Checks from financial institutions located outside of the U.S.
- Checks that are not payable in U.S. dollars
- Checks that are more than six months old (i.e. stale dated) or that are post-dated
- Substitute checks (a digital reproduction of the front and back of an original check)
- Remotely created checks (a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature)
- Travelers checks and savings bonds
- Non-negotiable instruments, such as promissory notes
- Starter checks or counter checks (checks from a teller window)
- Credit card checks or convenience checks
For full details, see the Varo Bank Account Agreement.