Physical Checks and Paying Bills

What kind of checks can I deposit?

With the Ingo mobile check deposit feature, you’ll be able to deposit most types of government, payroll, personal or other checks for review and approval. All checks must have the writer’s name and address pre-printed on the check, be dated on or before the date of submission, be made out to you as your name appears in our system, have matching numbers in the two amount lines, be signed by the check writer, be endorsed by you, and the endorsement must match the name on the payee line on the front of the check.

Ingo does not generally accept credit card checks, traveler’s checks, “starter checks” or other checks which do not have the check writer’s name and address pre-printed on the check, U.S. Savings Bonds, or checks drawn on accounts located outside of the United States or payable in currency other than US Dollars. Ingo does not accept checks you have written to yourself.

Can I order paper checks?

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

Can I make bill payments with my Oxygen account?

Yes, the Bill Pay feature allows you to make bill payments on your behalf to third parties quickly and easily.

In Overview, select Bill pay\Add bill\Add a payee\Input biller name and address\Add\Make a payment\Add amount and frequency of payment\Select sending date\How often\Add a note (optional) and/or Turn on autopay by toggling on the switch\Confirm. Once confirmed, the payment will immediately be deducted from your account balance and a paper check will be sent to the payee using USPS. Please allow up to 14 business days for delivery.
You may cancel a single Bill Pay payment as long as it has not been presented for payment by calling Customer Support at (866) 287-7021.

Additional Information:

  • There is no fee for the Bill Pay feature

  • Bill Pay payments initiated after 8 AM MT will be processed by 9 AM MT the next business day

  • No limit to the number of Bill Pay payments per calendar day

  • Limit of up to $5,000.00 per payment with a maximum of $5,000.00 per calendar month

  • Uncashed Bill Pay payments are voided after 180 days


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