How to Use Check Lockbox

Last updated: October 20, 2026

What is Check Lockbox?

Check Lockbox gives your business a dedicated mailing address where your customers can send paper checks. Our lockbox partner receives the checks, processes them on your behalf, and deposits the funds directly into your Meow Business Checking account. You do not need to handle, photograph, or upload the checks yourself.

Check Lockbox is a great fit if you regularly receive check payments from customers. If you only need to deposit an occasional check, see How to Deposit a Check.

How to Request Access to Check Lockbox

Navigate to the Business Checking account tab and click "Deposit" in the upper right-hand corner.

  1. Select "Lockbox" from the menu options.

  2. Click request access to Check Lockbox.

  3. Our team will review your request. You will be notified once your lockbox is approved and enabled.

  4. Once approved, return to Business Checking > Deposit > Lockbox to complete setup.

  5. If you have more than one account, select the account you want lockbox checks deposited to and confirm.

  6. Your lockbox address and department number will be displayed in the deposit instructions.

Note: You can request access and view your lockbox details from a mobile browser by logging in to your dashboard.

Lockbox Mailing Instructions

Share your lockbox address with anyone who sends you checks. The address must be used exactly as shown in your dashboard, including the department number.

  • The department number is how checks are matched to your account.

  • Checks mailed without the department number, or to an incomplete address, cannot be routed automatically. This may delay crediting.

  • Checks that are not properly addressed may be credited manually as a book transfer instead of a lockbox deposit. In these cases, a check image will not be available in your dashboard.

Endorsement Requirements

No endorsement or additional documents are needed for checks sent to your lockbox. Our partner handles processing on your behalf.

Processing Times

Once a check arrives at the lockbox and is processed, it is typically deposited to your account within 1-3 business days.

The main variable is mailing time from your customer to the lockbox, which depends on the postal service. In total, lockbox deposits typically take about 5 to 7 business days from the date the check is mailed.

Fees

There is currently no fee for checks deposited through Check Lockbox.

FAQ

Can I mail a check to my own lockbox?

  • Yes. If you have a check to deposit, you can mail the original physical check to the lockbox address and department number shown in your dashboard.

Can I see images of checks deposited through my lockbox?

  • Yes. Check images are attached to lockbox deposits that are mailed to the correct address with the department number. Checks credited manually because of an incorrect address will not include an image.

What is the difference between Check Lockbox and Check Deposit?

  • Check Deposit lets you upload photos of the front and signed back of a check from your dashboard.

  • Check Lockbox lets your customers mail checks directly to a dedicated address for automatic deposit, with no photos or endorsement needed.

  • You can request access to both from Business Checking > Deposit.

Can I send checks from my Meow account?