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Process Checks Like Cards

Process Checks Like Cards

Our Electronic Check Services let you process checks electronically with the same speed and ease as cards.

While the costs of accepting, processing and handling paper checks are high, we understand it’s a necessary part of doing business. Electronic Check Services from U.S. Bank enable your business to easily and safely process checks and credit-card payments with only one device.

Convert checks into electronic payments at the point of sale.

Our Electronic Check Services convert consumer and business checks into electronic payments securely and efficiently, dramatically reducing your risks in accepting checks while allowing you to increase your sales.

More about customer check risk management »

Benefits at a glance

  • Access funds faster — Deposit checks electronically as you receive them and capitalize on improved cash flow. Your business receives same-day credit and next-business-day funds availability when you deposit into a U.S. Bank checking account. You will generally have next day availability unless we determine a longer delay should apply. Please refer to the U.S. Bank "Your Deposit Account Agreement" for details regarding U.S. Bank's funds availability policy
  • Extend your deposit deadline later than paper deposits —Settle check transactions by 9 p.m. CT for same-day ledger credit.
  • Reduce trips to the branch —Scan and electronically deposit checks, saving employees’ time out of the office and virtually eliminate trips to the branch (especially when combined with our Remote Cash Deposit service).

    More about Remote Cash Deposit »

  • Receive faster notification of returned items —Processing checks electronically supports the ability to electronically resubmit transactions that have been returned for non-sufficient funds, resulting in faster notification of returned items and improved collection rates on checks and NSF service fees.
  • Streamline your banking relationships — Collect payments from any of your business locations and make daily deposits into a single account or multiple accounts, regardless of geographic location or proximity to bank branches.1
  • Save time and reduces the risk of returned checks — Frees your employees from time-consuming hassles of check collections with authorization and guarantee services

    More about customer check risk management »

  • Consolidates activities on reports and statements for card and check transactions is available online through MerchantConnect

    More about online card management »

  1. Prior notification and approval by U.S. Bank is required prior to using or accessing Electronic Deposit Services in a location outside the continental United States.

Deposit products offered by U.S. Bank National Association. Member FDIC.

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