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Risk Level Solutions

Choose the right mix of security and convenience for your check acceptance. U.S. Bank Electronic Check Service has the service level that fits your check acceptance needs.

  • Conversion with Guarantee - The paper check is converted into an electronic transaction, and the check amount is guaranteed. No more paperwork, no more collections. The guarantor assumes the risk for all qualified transactions processed.
  • Conversion with Verification - The paper check is converted into an electronic transaction, and ECS verifies that the check is "good". Your business retains the risk of returned items for all processed transactions but ECS manages the entire life cycle of the check - including returns management - and keeps you financially whole throughout the entire check acceptance process.
  • Conversion with Verification & Collections - This offers all the advantages of conversion and verification, while eliminating the need for your business to perform collections. You retain the risk on returned items, but ECS automatically handles all monetary returned items and keeps you financially whole throughout the entire process.
  • Conversion Only - The paper check is converted into an electronic transaction with minimal validation or authentication. Your business retains the risk of returned items for all transactions that are processed.
  • NSF Service Feature - For all service levels excluding Guarantee, ECS has the ability to resubmit an NSF transaction, and once cleared, will electronically collect the related service fee from the consumer's checking account and automatically fund the merchant's account.

For more information on these services, please contact us.

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