What IDOC asks for and why
The Illinois Department of Corrections (IDOC) does not require you to have a checking account, and they do not ask for your checking account number or banking details as a condition of incarceration or release. However, IDOC does need a way to send you money — whether that is commissary funds, release money, or other payments — and they will ask you to choose a method to receive it.
The methods IDOC offers are: direct deposit to a bank account (checking or savings), a prepaid debit card issued by the state, or a check mailed to your address. If you choose direct deposit, you will need to provide your account and routing numbers. If you do not have a bank account and do not want the prepaid card, you can request a mailed check instead.
The key difference: IDOC is not investigating your banking history or requiring you to open an account. They are straightforward asking which way you want to receive money that belongs to you.
Key Takeaways
- IDOC does not require you to have a checking account or any bank account at all.
- You can receive money through direct deposit, a state-issued prepaid debit card, or a mailed check — you choose which method works for you.
- If you choose direct deposit, you will need to provide your bank's routing number and your account number, but this is optional.
- The prepaid debit card option requires no banking information and works when ready upon release.
Direct deposit: when you already have an account
If you have a checking or savings account before entering IDOC custody, you can use it to receive money. During intake or before release, IDOC will give you a form asking for your banking information. You will provide your nine-digit routing number (which identifies your bank) and your account number (which identifies your specific account).
Direct deposit is the fastest way to receive money — funds typically arrive within one to two business days of release. This works whether your account is at a large national bank, a credit union, or a community bank. IDOC does not care which bank you use, only that the routing and account numbers are correct.
If you are unsure of your routing number, you can find it on a check, by calling your bank, or by visiting your bank's website. Write it down carefully before you fill out the IDOC form, because an incorrect number will cause the deposit to fail.
The prepaid debit card option
IDOC offers a state-issued prepaid debit card as an alternative to direct deposit. This card is loaded with your money automatically and is ready to use the day you are released. You do not need to open a bank account, provide banking information, or wait for a deposit to process.
The prepaid card works like a debit card at ATMs and stores, but it is not a checking account. You cannot write checks, set up automatic bill payments, or build a banking relationship with it. Some prepaid cards charge fees for ATM withdrawals or balance inquiries, so ask IDOC about the specific fees before you choose this option.
This option is useful if you do not have a bank account, do not trust banks, or need money when ready upon release without waiting for a deposit to clear.
Mailed check: the slowest option
You can also request that IDOC mail a check to your address. This takes longer than direct deposit — typically one to three weeks depending on mail delivery — but it requires no banking information and no account.
When you receive the check, you can cash it at your bank, a check-cashing service, or some retail stores. If you want to deposit it into a bank account later, you can do that at any time. This option gives you the most flexibility about when and how to access your money.
What happens if you do not choose a method
IDOC requires you to select one of these three methods before or during release. If you do not choose, IDOC will typically default to the prepaid debit card or mailed check, depending on the facility. You should make this choice deliberately rather than letting it default, because it affects when and how you get your money.
If you are unsure which option is best for you, ask a counselor or case manager at your facility. They can explain the fees, timing, and process for each method and help you decide based on your situation.
Opening a checking account after release
If you do not have a bank account now but want one after release, you can open a checking account at any bank or credit union. You will need a form of ID (a state ID, driver's license, or passport) and proof of address (a utility bill, lease, or mail from a government agency). Some banks also ask for a Social Security number.
If you receive money through the prepaid card or mailed check, you can deposit that money into a new checking account once you open one. There is no rush to open an account before release — you can do it at your own pace after you are out.
Frequently Asked Questions
Will IDOC check my credit or banking history?
No. IDOC does not run a credit check or review your banking history. They only ask for your routing and account numbers if you choose direct deposit. They are not investigating your finances — they are straightforward sending you money that is yours.
What if I give IDOC the wrong account number?
The deposit will fail and the money will be returned to IDOC. You will need to contact IDOC to correct the information and request a new deposit. This can take several weeks, so double-check your routing and account numbers before submitting the form.
Can I change my mind about which payment method after I choose?
This depends on your facility and timing. If you are still in custody, ask your case manager whether you can change your selection. If you have already been released, contact IDOC directly to request a change — they may be able to reissue funds through a different method, though this can take time.
Do I need a checking account to be released?
No. You can be released without any bank account at all. You can receive your money through the prepaid card or mailed check, both of which require no banking information or account.