All checks submitted to MoCaFi are subject to review for approval, and most of the checks we review are approved. There are times though when we are 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, we cannot always tell you exactly why a check is declined because privacy regulations prevent us from sharing a check writer’s account information with you.
Below are some examples of reasons we may decline a check:
(1) Check was not written to you, as your name appears on your MoCaFi account.
(2) Check was not endorsed.
(3) Amount of the check is less than $5 or more than $2,500.
(4) Amount of the check will cause you to exceed the daily, weekly or monthly funding limits for your selected account.
(5) 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.
(6) Check images are illegible or do not pass authenticity screening.
(7) Check is a single-party check (drawn on another account you own), a temporary
check, a credit card check or another unusual check type we do not support.
(8) A properly voided image of the check was not received. If you need to resubmit your voided check image, call MoCaFi at (800) 342-7374.
(9) Sufficient information could not be verified on the check writer’s account.
(10) Check was written on a closed or compromised account.
If your check is declined, your account will not be funded, and no fee will be assessed. If problems continue, please call our support team at 800-342-7374.