Why would you want to use an Electronic Check, Check21, RCC or RCPO?
Due to NACHA's rule changes in September 2015, a lot of "good companies" are being barred from using the ACH system to process their one-time and recurring transactions. Your transaction fees may by lower using Electronic Checks than ACH! Why not call us to see if eChecks are "Right for Your Company"?

Create Remote Electronic Check

Electronic Checks (eChecks) are Safe, Simple & Secure... “Electronic Checks” typically are created when the holder of a checking account authorizes a payee to draw a check on that account but does not actually sign the check. In place of the "paper draft" being created, we create an electronic transaction. A Remotely Created Payment Order, (‘‘RCPO’’) is an electronic version of a Electronic Check. Electronic Checks (eCheck) can be a useful payment device for some depositors under certain circumstances. In the current marketplace, eChecks may be used for recurring payments, one-time payments and collection activities authorized over the telephone, as well as contracts that necessitate same-day availability of funds. See Electronic Check versus ACH processing.

A "RCPO" & "RCC" do not get processed through the ACH (Automated Clearing House) and, therefore, are not regulated by NACHA.

A Electronic Check is subject to state law on negotiable instruments, specifically Articles 3 and 4 of the Uniform Commercial Code (U.C.C.) as adopted in each state. Under the U.C.C., a bank that pays a check drawn on the account of one of its customers may charge a customer’s account for a check only if the check is properly payable. A Electronic Check is defined under Regulation CC (Reg. CC), as amended in 2005 by the Federal Reserve Board, as: . . . [A] check that is not created by the paying bank and that does not bear a signature applied, or purported to be applied, by the person on whose account the check is drawn. The drawer grants the payee (merchant) authorization to produce a Electronic Check drawn on the drawer’s account. See both - Federal Reserve System - Availability of Funds and Collection of Checks: Proposed Rule & An Examination of Electronic Checks

Benefits:

  • Electronic Checks are not subject to .5% Unauthorized Return Rates
    Collect Larger Transaction amounts than using ACH
    Same-Day Deposit into Multiple Accounts
    Lower Return Rates than using ACH

Features:

  • Process up to 100,000 checks PER BATCH
    Deposit eChecks into Multiple Accounts
    Deposit eChecks from Multiple Locations
    Online, Real-time reports for easy Bank Reconciliations
    Automatically Match each eCheck you scan to the invoice it's paying
    Use the "memory" function for faster identification of customer's you have done business with in the past
    Check for errors or duplicate entries automatically every time you make a deposit
    Resubmit NSF eChecks Automatically
    Dynamic Report Generator
    • Choose Any / All Data
    • Choose Any Date Range
    • Save as a template or view one-time and even share with staff members online
    Works with QuickBooks® software 2007 and newer (Not online version)

Ask about our special:

"eCHECK by Phone" & "eCheck by FAX" for Mail Order & Telephone Order!

With our Electronic Electronic Check Software, you can make your check deposits in QuickBooks®, from the convenience of your store or office, through the internet using your PC!
eCheck transactions, using bank login authorization, are the most secure method of funds transfer available.

How Electronic Check works:

Deposit all types of U.S. dollar checks drawn on any bank in the country including personal checks, business checks, government checks and warrants, money orders and traveler's checks over the Internet.

The use of electronic check conversion - also known as Electronic Check, Accounts Receivable Check (ARC), Point of Purchase (POP), or Back Office Conversion (BOC) in banking terms - is among the fastest growing types of ACH Applications due to its enormous benefits. Using our proprietary Internet-based Back office conversion "Remote Deposit Capture" software and check scanning reader, you can scan conventional paper checks and transform them into an electronic check deposit. The software also stores the check data and check images in a database for future research and retrieval, re-submission of NSF checks and more.

You accept many checks each month from customers. Currently, you would have to look up each customer account, apply the payment to the account, stamp the check for deposit, create a deposit slip, drive to the bank, stand in a long line and make the deposit. On top of this, your bank will typically charge an "item deposit fee" for every check you deposit. Too time consuming and too expensive!

Our in-house Electronic Check experts are standing ready to help you make an informed decision to move your company's payment processing forward.

Allow us to offer and create an electronic payment processing program to provide you access to your funds in an expeditious manner.

Our in-house Electronic Check experts are standing ready to help you make an informed decision to move your company's payment processing forward.
Allow us to offer and create an electronic payment processing program to provide you access to your funds in an expeditious manner.

     
 
  1. What is Check 21 ?
  2. What is X9.37-2003 ?
  3. What is X9.100-180-2006?
  4. What is X9.100-181 ?
  5. What is Universal Companion Document (UCD) ?
  6. What is DSTU X9.37- 2003 standard Image Cash Letter file of FRB?
  7. What is X9.100-187-2008?
  8. What is X9.100-187-2008-UCD?
  9. Do you have product support all these standards ?
  10. X9.37 Resources
     
     
 
1. What is Check 21 ?

The Check Clearing for the 21st Century Act (Check 21) became law on October 28, 2004. Check 21 provides banks the ability to accept and handle Image Replacement Document(IRD), which should make check processing faster and more efficient, reduce shipping and labor costs and increase protection from fraud.

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2. What is X9.37 ?

X9.37 is the standard format used in electronic check exchange. It addresses the file sequences, record types, field formats, data and image compression, encryption and data representation. It does not defines operational, implementation, or settlement issues.

X9.37 went into effect on October 28, 2004 with the Check Clearing for the 21st Century Act. X9.100-180 went into effect on April 15, 2006.

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3. What is X9.100-180-2006 ?

X9.100-180 establishes the file sequences, record types and field formats to be used for the electronic exchange of check MICR line data, associated check processing data, check images and optional user information in the form of cash letters. This standard does not address operational, implementation or settlement issues. These issues may include, but are not limited to, a choice of: data and image compression, encryption, and transmission specifications and data representation.

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4. What is X9.100-181 ?

TIFF 6.0 acts as an image format scheme used between exchange financial institutions. However, TIFF is very flexible and is designed to accommodate a variety of uses. This flexibility can cause applications to experience problems.

The ANS X9.100-181 standard defines the most commonly supported and least problematic uses of TIFF fields and their values for the exchange of images. This standard does not change TIFF standard and only address G4 bilevel image (black/white) compressions within the TIFF 6.0. The ANS X9.100-181 standard helps efficient interoperable check image exchange among financial institutions.

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5. What is Universal Companion Document (UCD) ?

Universal Companion Document (UCD) is a standard industry practice for using the DSTU X9.37-2003 standard to exchange ICL files. This document clarifies how financial institutions should use the standard to ensure all necessary and appropriate payment data is exchanged between collecting and paying institutions. All image exchange participants will obtain, use and adhere to the record and field usage definitions detailed in the DSTU X9.37-2003 standard.

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6. What is DSTU X9.37- 2003 standard Image Cash Letter files of FRB ?

Please refer to the Image Cash Letter Customer Documentation of Federal Reserve Banks (FRB) which Describes how the DSTU X9.37- 2003 standard is used when a depository institution sends an image cash letter file as a deposit to the Federal Reserve Bank, or when the Federal Reserve Bank transfers, presents or returns an image cash letter file to a depository institution.

XEditor provides an option to validate X9.37 ICL file according the FRB ICL Customer Document.

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7. What is X9.100-187-2008 ?

X9.100-187-2008 replaces the use of DSTU X9.37 and establishes the basis for U.S. check image exchange involving settlement between two financial institutions. It fixes and clarifications identified in various industry companion documents associated with DSTU X9.37. It also establishes requirements and limitations that are compatible with current industry practice. However, this standard maintains flexibility in order to accommodate the needs of different institutions and exchange networks. It does not have the extent of flexibility contained in ANS X9.100-180 and is not intended to cover all types of image exchange.


This standard does not address operational, implementation, or settlement issues. These issues may include, but are not limited to, a choice of: data and image compression, encryption, and transmission specifications and data representation. The informative annexes attached to this standard provide information that may prove useful to those planning to implement the standard.

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8. What is X9.100-187-2008-UCD ?

X9.100-187-2008-UCD is a standard industry practice for using the DSTU X9.100-187-2008 standard to exchange ICL files. The purpose of this document is to formalize an industry standard for check image exchange using the ANS X9.100-187-2008 standard format and a compilation of industry best practices. The document is formatted similar to the earlier edition of ¡®Image Exchange Companion Document¡¯ that accompanied DSTU X9.37-2003. It details each record that is deemed to have critical payment data and lists all associated fields contained in ANS X9.100-187-2008. Two additional pieces of data not included in the ANS X9.100-187-2008 standard are also included.

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9. Do you have product support all these standards ?

Our product allows you to view, analyze, validate, edit and print the contents of X9 Image Cash Letter files. It can support :

  • DSTU X9.37-2003
  • DSTU X9.37-2003 - FRB
  • X9.100-180-2006
  • X9.100-180-2006 TECP
  • Universal Companion Document(UCD)
  • X9.100-187-2008
  • X9.100-187-2008-UCD
  • X9.100-181 (Check Image Validation)
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10. X9.37 Resources
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