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Processing Methods

Electronic Check Service from U.S. Bank gives you the ability to accept and electronically process any type of check by automatically and systemically leveraging three hosted processing methods:

  • Direct DDA Access Processing - Through direct network connections, ECS offers the ability to directly access a customer's checking account real-time, and place a "hold" on available funds - reducing returned items by more than 30%. This method uses the same authorization and clearing process as online debit transactions.
  • Automated Clearing House (ACH) Processing - For consumer checks that cannot be processed in real-time using Direct DDA Access, U.S. Bank uses a proprietary system to convert the check data into an ACH debit transaction.
  • Check Replacement Document (CRD) Processing - Business, corporate and convenience checks are processed through the banking system as Demand Drafts, Photo in Lieu documents, Substitute Checks or through Image Exchange.

For more information on these services, please contact us.

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