Missouri Certification of Restricted Deposit is a certification process designed to protect consumers against fraud when depositing certain types of funds into their bank accounts. It is required by the Missouri Division of Finance for certain types of deposits, such as those made from a check cashing business, prepaid debit card, or money order. The certification involves a verification process to ensure the funds are from a legitimate source and not from fraud or other illegal activities. There are three types of Missouri Certification of Restricted Deposit: Level 1, Level 2, and Level 3. Level 1 certification requires the consumer to provide proof of identity and a valid address, while Level 2 requires the consumer to provide a valid government issued photo ID. Level 3 certification is the most stringent and requires the consumer to provide a valid government issued photo ID, proof of address, and an affidavit of the source of funds.