Payment Tutorial

Pay With Ease

What is an e-check?

Essentially, an E-check, or electronic check, is a form of online payment where money is electronically withdrawn from the payer’s checking account, transferred over the ACH network, and deposited into the payee’s checking account. Electronic check processing is somewhat similar to paper check processing, only faster. Instead of a customer manually filling out a paper check and sending it to the business they need to pay, today’s technology allows the process to happen electronically, saving both time as well as paper waste.

Generally, funds are verified within 24 to 48 hours of the transaction being initiated. Should the payer have the funds available in their checking/bank account, the transaction is cleared and packaged shipped within 24 to 48 hours and the funds are moved from the payer’s account to the payee’s account.

Are E-checks a secure form of payment?

Yes, paying with an E-check is very secure. Paper checks can be tampered with, as the amount can be changed, etc. With E-checks, this is not an issue. There is less chance of fraud with an E-check. In addition, since E-checks are tied to your actual bank account, the money is protected by the many layers of banking regulations should something go wrong.

How do I find my routing, account number?

The routing number is the first set of digits on a check. The account number is the second set of digits. And finally, the check number is the final set of digits. It’s important to note that if you do not have or know your check number simply enter today’s date or a few arbitrary numbers as this field is required but not validated.

What if I don’t have paper checks?

If you do not have paper checks, you can simply find this information on your online banking account, or by calling your bank and asking for your routing number and your account number. In addition, most credit cards will have a routing and account number you can use as well. You may need to contact your financial institution to find this information. And don’t forget, you can always use a prepaid debit card (see above for more information on that).