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How to Put Money on an Inmate’s Book: The Definitive Guide

So, you’re looking to put money on an inmate’s books? You’ve come to the right place. Funding an inmate’s account allows them to purchase necessities, make phone calls, and even buy treats from the commissary, significantly improving their quality of life inside. But navigating the system can feel like wading through legal jargon. This article is your comprehensive guide to doing it right, every time.

Understanding the Inmate Trust Fund

Before diving into the how, let’s understand the why. Correctional facilities operate a system known as an inmate trust fund, sometimes called an inmate account or commissary account. This account functions like a bank account for the incarcerated individual. Funds deposited into this account are used by the inmate to purchase approved items within the facility. This could include hygiene products, snacks, writing materials, and even access to electronic tablets in some cases.

Methods for Depositing Funds: A Detailed Breakdown

The specific methods available for depositing money into an inmate’s account vary considerably depending on the correctional facility, whether it’s federal, state, or a county jail. However, some common methods consistently appear:

1. Online Deposits: The Digital Age Solution

The most convenient and increasingly popular method is through online deposit services. Several companies specialize in facilitating these transactions. Prominent examples include:

JPay: JPay is a giant in the correctional services industry. They often partner directly with correctional facilities and offer services beyond just money transfers, such as email and video visitation. To use JPay, you’ll typically need the inmate’s full name, inmate ID number, and the correctional facility’s name and address. You create an account, link a bank account or credit card, and then follow the prompts to send money. JPay charges a fee per transaction, so factor that into your calculations.
Access Corrections: Similar to JPay, Access Corrections provides online money transfer services, often integrating with facility systems. They may offer options for depositing funds via their website or mobile app. Be sure to double-check the facility’s accepted payment methods through Access Corrections, as not all options are available at all locations. Transaction fees also apply.
MoneyGram/Western Union: While traditionally known for broader money transfer services, MoneyGram and Western Union often provide options for sending money to inmates through their online portals or physical locations. When using these services, meticulously follow the specific instructions for inmate deposits, as a slight error can lead to rejection.

2. Mail-In Deposits: The Traditional Approach

While less convenient than online methods, mailing a money order remains a viable option at most facilities. However, strict guidelines must be followed.

Money Order Specifics: Only postal money orders or cashier’s checks are usually accepted. Personal checks are almost universally rejected. The money order should be made payable to the correctional facility, not the inmate directly. In the memo section, clearly write the inmate’s full name and inmate ID number.
Mailing Address Precision: The mailing address provided by the correctional facility must be used exactly. Even a minor discrepancy can result in the money order being returned or, worse, lost.
Envelope Rules: Correctional facilities have strict rules about what can be sent through the mail. Typically, only the money order and a small, plain piece of paper with your name and return address are allowed. Do not include cards, letters, or any other items, as they will be rejected and could potentially jeopardize the inmate’s mail privileges.

3. Phone Deposits: Speak Directly to a Representative

Some facilities allow for money deposits over the phone using a debit or credit card. This usually involves calling a specific number provided by the correctional facility or a partner service like JPay or Access Corrections. A representative will guide you through the process. Be prepared to provide the inmate’s full name, inmate ID number, your payment information, and billing address. Phone deposits are subject to transaction fees.

4. Walk-In Deposits: In-Person Transactions

In some cases, you may be able to deposit money in person at a kiosk located within the correctional facility or at a partner retailer. These kiosks typically accept cash, debit cards, or credit cards. Follow the on-screen instructions to complete the transaction. Kiosk deposits are subject to fees.

5. Lockbox Deposits: A Less Common Method

Some facilities employ a lockbox system. This usually involves mailing a money order to a specific bank address. The bank then processes the money order and deposits the funds into the inmate’s account. The specific instructions for lockbox deposits are usually found on the correctional facility’s website or provided by the facility directly.

Essential Information to Gather Before Depositing

Regardless of the method you choose, you’ll need specific information about the inmate and the correctional facility. This includes:

Inmate’s Full Legal Name: Use the name the inmate is registered under with the correctional facility.
Inmate ID Number (Booking Number): This is a unique identifier assigned to the inmate.
Correctional Facility Name and Address: The official name and mailing address of the prison or jail.
Accepted Payment Methods: Verify which payment methods the facility accepts for each deposit method.
Deposit Limits: Most facilities have limits on the amount of money that can be deposited into an inmate’s account per transaction and per month.
Facility-Specific Instructions: Always, always, always check the correctional facility’s website or contact them directly for any specific instructions or rules regarding inmate deposits.

Potential Problems and How to Avoid Them

Depositing money into an inmate’s account can sometimes be fraught with challenges. Common issues include:

Rejected Deposits: Deposits can be rejected if the information provided is incorrect, if the deposit exceeds the limit, or if the payment method is not accepted.
Lost Money Orders: Money orders can get lost in the mail. Always keep a copy of the money order and the receipt.
Delays in Processing: It can take several days for a deposit to be processed and credited to the inmate’s account.
Fraud: Be wary of scams that target people who are trying to send money to inmates. Only use reputable services and never provide your personal information to unknown individuals.

Frequently Asked Questions (FAQs)

1. What happens to the money if an inmate is transferred or released?

If an inmate is transferred to another facility, the remaining funds in their account will usually be transferred with them. Upon release, the inmate will receive the remaining balance in their account, typically in the form of a check or debit card.

2. Can I deposit money directly into an inmate’s commissary account?

The terms “inmate trust fund” and “commissary account” are often used interchangeably. So, yes, you are essentially depositing money into the account that the inmate uses at the commissary.

3. Is there a limit to how much money I can send an inmate?

Yes, most correctional facilities have limits on the amount of money that can be deposited into an inmate’s account. These limits can vary depending on the facility and the inmate’s custody level. Always check the facility’s specific rules.

4. How long does it take for the money to appear in the inmate’s account?

Processing times vary depending on the deposit method. Online deposits are generally the fastest, often appearing within 24-48 hours. Mail-in deposits can take several days or even weeks to process.

5. Can an inmate refuse a deposit?

Yes, an inmate has the right to refuse a deposit.

6. What can an inmate purchase with the money in their account?

Inmates can typically purchase hygiene products, snacks, writing materials, stamps, and other approved items from the commissary. Some facilities also allow inmates to purchase access to electronic tablets or other entertainment options.

7. Are there any restrictions on who can send money to an inmate?

Some facilities may have restrictions on who can send money to an inmate. For example, some facilities may not allow deposits from other inmates. Check the facility’s rules.

8. What happens if I accidentally send money to the wrong inmate?

Contact the correctional facility immediately. They may be able to reverse the transaction. However, there is no guarantee that the money can be recovered.

9. Are there fees associated with depositing money into an inmate’s account?

Yes, all methods of depositing money into an inmate’s account typically involve fees. These fees can vary depending on the deposit method and the service provider.

10. Can I send an inmate cash directly?

No, sending cash directly to an inmate is almost always prohibited. All deposits must be made through approved channels.

11. What happens to the money if an inmate violates facility rules?

In some cases, an inmate’s funds may be confiscated or restricted if they violate facility rules. This is usually at the discretion of the facility administration.

12. How do I find the specific deposit instructions for a particular facility?

The best way to find the specific deposit instructions for a particular facility is to visit the facility’s website or contact them directly. Many facilities have dedicated sections on their websites with information about inmate deposits. You can also call the facility’s administration office for assistance.

Putting money on an inmate’s books can significantly improve their well-being during incarceration. By following these guidelines and being meticulous in your approach, you can ensure that your deposits are processed smoothly and reach their intended recipient. Always remember, thorough research and adherence to facility rules are paramount.