Guide · checked October 26, 2026
Virtual mailbox check deposit fees, compared
If people still pay you by paper check, the check deposit fee can matter more than the plan price. A virtual mailbox "check deposit" means the operator takes the paper check out of the envelope and mails it to your bank's deposit address for you. Two providers we track charge nothing for that beyond postage, three charge a published fee, and the rest don't publish one. Every figure below links to the provider's own page, read on October 26, 2026.
Each provider's check deposit terms
| Provider | Fee to deposit | What the provider says |
|---|---|---|
| PhysicalAddress.com | $0 + postage | Generates a deposit slip and mails the check "to the bank of your choice"; "our check deposit feature does not have an additional fee; all you'll pay is the cost of forwarding, no check handling fee is included." [source] |
| US Global Mail | $0 + shipping | "A check arrives, we scan it same day ... You download it and scan it into your bank. Or ship all checks weekly to your bank. No per check fees like other services. Shipping fees apply." [source] |
| iPostal1 | $4.95 per up to 5 checks + scan cost + shipping | "Check deposit by mail (offered at most locations) $4.95 to deposit up to 5 checks, plus the cost of check scan(s) and trackable shipping. Check deposit only available in the US." The price of the check scan itself isn't stated next to it. [source] |
| Traveling Mailbox | $4.95 per check + postage | "We will endorse your check 'For Deposit Only' and mail your check directly to your bank to be deposited. Fee: $4.95 per check + Postage." [source] |
| Earth Class Mail (LegalZoom) | $10 per check, or $39/mo incl. 5 checks then $2 each; expedited $20 per check | For expedited requests, "complimentary overnight shipping is provided for checks deposited into accounts with Bank of America, JPMorgan Chase, and Wells Fargo. All other deposits are shipped through USPS." [source] |
| Stable | Not published (from $3/check) | "Electronic and mail-in check deposit options"; "You must have an existing Stable account to purchase one of our check deposit solutions"; "Volume-based plans as low as $3/check". [source] |
| Anytime Mailbox | Set by each location | "Select locations offer check deposit." Each mail center sets its own fees, shown on the plan before you sign up. [source] |
| PostScan Mail | Not published | No check deposit price on its pricing page. [pricing page] |
| Opus Virtual Offices | Not published | No check deposit service or price on the pages and terms we read; see its provider page. |
"Not published" means we couldn't find a price on the provider's own site, so we don't guess one. Plan prices, scan fees and forwarding fees are on each provider page.
What deposits add to a month
Deposit fees alone, before postage and before the plan price, using each provider's published rate. For iPostal1 we assume you batch checks 5 at a time; for Earth Class Mail we use whichever of the per-check fee and the $39 plan is cheaper.
| Provider | 1 check | 4 checks | 10 checks | 20 checks |
|---|---|---|---|---|
| PhysicalAddress.com | $0 | $0 | $0 | $0 |
| US Global Mail | $0 | $0 | $0 | $0 |
| iPostal1 | $4.95 | $4.95 | $9.90 | $19.80 |
| Traveling Mailbox | $4.95 | $19.80 | $49.50 | $99.00 |
| Earth Class Mail | $10.00 | $39.00 | $49.00 | $69.00 |
iPostal1 rows also carry the check scan charge, which isn't priced next to the deposit fee. Stable, Anytime Mailbox, PostScan Mail and Opus are left out because no fee is published. To see deposits together with the plan, scans and forwarding, enter your numbers in the cost calculator or see the side-by-side comparison.
The postage part
Every provider above adds the cost of mailing the check to your bank. None of them says on these pages exactly which mail class it uses, except iPostal1 ("trackable shipping") and Earth Class Mail (overnight for three named banks on expedited requests, USPS otherwise). For scale, the official USPS price list effective October 4, 2026 puts a 1 oz stamped First-Class letter at $0.82, and Certified Mail adds a $5.55 fee on top of postage. [USPS Notice 123] Batching several checks into one envelope, where the provider allows it, spreads that cost.
When your bank has to make the money available
Federal Regulation CC sets the clock. A check mailed to your bank counts as deposited when the bank receives it: "Funds mailed to the depositary bank are considered deposited on the day they are received by the depositary bank." [12 CFR 229.19(a)(2)] For a local check, the bank must make the funds available "not later than the second business day following the banking day on which funds are deposited". [12 CFR 229.12(b)] Banks can hold longer in the cases listed in the exceptions section, such as new accounts and large deposits. [12 CFR 229.13]
So the total wait is: the days the check sits until you request a deposit, plus mailing time to your bank, plus the bank's availability schedule. A free deposit that ships weekly can arrive later than a paid one that ships the same day. If timing matters, ask the provider how often it ships deposits and which carrier it uses.
Before you rely on it
- Find your bank's mail deposit address. PhysicalAddress.com notes that banks "usually have a special address that they designate as a check deposit address". [PhysicalAddress.com] Not every bank or account type accepts deposits by mail; check with yours.
- Check the location. iPostal1 offers deposits at "most locations" and Anytime Mailbox at "select locations", because those addresses are run by local mail centers. [iPostal1] [Anytime Mailbox]
- Depositing from a scan is your bank's call. US Global Mail suggests downloading the check scan and scanning it into your bank. [US Global Mail] Whether that works depends on your bank's mobile or remote deposit terms, so read them first.
- Business checks need a business mailbox. Checks made out to your company arrive in the company's name, so the company has to be a recipient on your Form 1583. See our Form 1583 guide and LLC & bank use.
- Getting paid by check at all? If you don't need scanning or forwarding, a PO Box or UPS Store mailbox may be cheaper, but you'll take the checks to the bank yourself.
This is general information from providers' published pages and federal rules, not financial or legal advice. Fees change; each figure links to the page we read it from on October 26, 2026.