Send Check FAQs

 

What is Send Check? 

Send Check is M1's check-writing feature that allows you to send money and pay bills through your M1 Spend checking account when a traditional check is the best option. 

  

Who can I send checks to? 

Send Check allows you to send money to individuals or businesses just by providing the name and mailing address of the desired recipient. 

  

How do I use Send Check? 

Users will become eligible to use Send Check after 90 days of having a funded account on the M1 platform. 

From either the mobile or web app, navigate to “Transfers” and select “Move Money.” This will present you with several money movement options, including one for Send Check.   

After choosing Send Check, you’ll create or select a recipient, set the dollar amount, and confirm the check. Learn more about how to use Send Check.  

  

What information can I find listed on the check?  

  • The address of our partner bank, Lincoln Savings Bank.  
  • M1's name and address  
  • The recipients' information  
  • Memo (if applicable)  
  • Your account and routing numbers  

  

Who debits my account?  

M1 will debit your M1 Spend checking account when the check is sent and show M1 as payer.   

If it is cancelled or returned for any reason, the funds will be returned to the account within two to three business days.  

  

Will my address be listed on the check?  

No, your residential address will not be included within the check.  

  

Is there a limit on how much I can send in a given period? 

Yes. Send Check allows you send up to $5,000 per day or $25,000 per month. 

  

Can I cancel a scheduled check? 

Yes. For up to 15 minutes after submitting a check request, you can easily cancel it within the app. Follow this step by step guide. 

  

Miss the cancellation window? No problem! If the “Cancel Check” button is not visible from the Check Details page, simply click the “Contact Support” link to submit a stop payment request. Our team will take it from there and let you know when your request is complete. 

  

Keep in mind that all checks that are not cashed become void after 90 days.   

  

If I’m paying a bill, how will the recipient know that the payment is mine? 

Send Check allows you to add a memo line to your check.  

You can use the space to note an account number, invoice number, or any other important information to help process your payment.  

  

Why won't my Check send?  

Users will become eligible to use Send Check after 90 days of having a funded account on the M1 platform. Learn more here. 

  

If you still have questions about Send Check, please contact M1 support.  

 

Send check feature is only available for M1 Plus Spend accounts. Learn more about M1 Plus here. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. 

 

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