E-Check Program

eCheck or Electronic Check is a method of converting a paper check into an electronic item. This service was developed to reduce the costs associated with accepting checks at the Point of Sale (POS) and to expedite the settlement of funds into the store's bank account through the use of the Automated Clearing House (ACH) network. This is the process that is used by a growing number of retailers where you hand the cashier a check, she scans it, stamps it VOID, and hands it back to you.

eChecks use a very limited amount of verification, typically one of the national negative databases to determine if the check should be accepted. This minimal verification is sufficient and NO digital authentication is required because the customer is PHYSICALLY standing at the cash register where the clerk can see the check, ask for and physically look at the customer's identification, plus the check writer is more than likely a local resident.