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What types of checks cannot be deposited?

Unacceptable deposits include:

  • Any item that is stamped with a “non-negotiable” watermark
  • Any item that contains evidence of alteration to the information on the check
  • Any item issued by a financial institution in a foreign country
  • Any item that is incomplete
  • Any item that is “stale-dated” or “post dated” (typically 6 months unless otherwise indicated)
  • Savings Bonds
  • Any third party check, item made payable to someone other than yourself or other authorized signers on the account
  • Any item with a restrictive endorsement

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