Check Deposit

Last updated: May 8, 2026

This is a guide that will teach you:

  • What is Ascend's check deposit feature

  • How to use the check deposit feature

Ascend & Paper Checks

While Ascend is through and through a digital payments platform, we recognize that a vast majority of insurance payments today are still made via check. Which is why we're excited to launch our Check Deposit feature.

This works very similarly to mobile check deposit that you might use with your bank today, and allows you to upload pictures or scans of checks directly to Ascend to be processed.

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This means you don't have to deposit funds into your agency's bank account or try to enter the check information into Ascend.

Incoming Check Payments

For check payments, Ascend is testing a feature that would allow you to upload checks to Ascend for processing. This is similar to mobile check deposit.

Important things to remember

  • Check deposit does not incur any payment processing fees. If you are charged a payment processing fee for a check deposit, Ascend support can assist with updating your configuration.

  • Check payments can take up to 10 days to clear

Please note: This is a feature that can be turned on and is not auto enabled. Please reach out to [email protected] to turn on Check Deposit

Uploading a Check

  1. Go to the Incoming Payments tab under Accounting and click Upload Check,

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  1. Once Upload Check has been clicked, upload the front of the check, back of the check, and reconciliation documents

    Please note: Reconciliation documents are an invoice or any document that would help your agency track the purpose of the check deposit.

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  1. Enter check details

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  1. Confirm the payment

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Return Funds

Insureds can sometimes pay for an invoice twice. Once by check and the second time by either Credit Card or ACH. Since the invoice has already been paid for, this double payment will show up as an Unreconciled payment in your agency's Incoming Payments tab. For situations like these, Ascend has introduced the Return Funds feature.

Returning Funds

  1. Locate and click on the relevant Unreconciled payment in Incoming Payments

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  2. Click on Return Funds

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  3. Enter the name of the Recipient and hit Continue

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Add Notes

In dealing with unreconciled payments, it often helps agencies to make small notes in the margin. Agencies can now Add a note on unreconciled payments to help track remittance information and reach out to the insured if necessary.

Adding Notes

  1. Click on an Unreconciled payment to open a details bar on the right hand side

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  2. Click on Add Note

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  3. Enter your notes in the text box and click the checkmark

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    FAQ

    Can I use this to process return premium checks from carriers/wholesalers?

    • Yes, you can deposit return premium checks into Ascend directly, rather than into your own accounts.

    • Currently, we do not allow reconciliation of these payments, so you will need to reach out to Support to apply the payment(s) to the return invoice(s).

Contact Us

Need more help? Contact us at [email protected] for more help.