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Albi Pay Check Deposits – How It Works

How Check Deposits Work

With Check Deposits, you can submit insurance checks digitally instead of mailing or depositing them in person.

The process:

  1. Capture images of the front and back of the check (mobile or web)
  2. Send digital signature requests to any additional payees
  3. Submit the check for processing
  4. Funds are deposited into your connected bank account

 

Limitations

Mortgage Lender Checks (Not Supported)

Checks that include a mortgage lender as a payee cannot be processed digitally at this time.

Mortgage lenders must physically endorse checks, and there is currently no reliable way to collect their signature electronically. This is an industry-wide limitation.

Insufficient Funds

If the check writer has insufficient funds, the check will fail and will not be deposited.

 

 

Processing Timeline

  • Check processing time: 3 - 6 business days

This time allows checks to be verified and protects against fraud or returned payments. Processing time cannot be expedited.

 

Transaction Limits

  • Maximum check amount: $100,000 per check

Failed Check Deposits

If a check cannot be processed:

  • The check status will show “Failed” in Check Reports
  • An automated email will be sent to your company explaining the failure reason and return code