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How Electronic Check Service Works

Electronic Check Service enables you to accept both business and personal checks, while choosing the best point-of-sale configurations, risk mitigation service levels and imaging options to match your business's operating needs.

Three hosted processing methods are leveraged without clerk intervention at the point of sale;

  • Direct DDA Access processing reaches more than 30% of consumer checking accounts through an online debit gateway at participating bank partners.
  • Automated Clearing House (ACH) processing clears checks drawn on non-participating banks.

This built-in, systemic routing functionality enables you to reduce the risk and cost of check acceptance without investment in customized legacy systems. Your ability to choose your desired service levels and imaging options allows U.S. Bank to tailor ECS' capabilities to meet your unique business requirements.

Processing Methods - Only U.S. Bank leverages three different transaction processing "rails" to provide the most comprehensive check acceptance solution in the market.

POS Solution Options - ECS can make check acceptance more convenient and secure regardless of your point of sale device.

Risk Level Solutions - With ECS, you have five flexible service levels to choose from, specifically matched to meet your needs and manage the risk associated with your business.

Imaging Solutions - At the point of sale, in your back office or imaged by U.S. Bank, ECS gives you a choice.

For more information on these services, please contact us.

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