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There Is No Cost to Receive or Deposit Deluxe eChecks

Interchange fees ranging from 2%-4% are typically required to accept online ACH payments.. This is a high price to pay just to receive your money in a timely manner. With Deluxe eChecks, the receiver of the check pays NO additional fees.

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You Do Not Need a Deluxe eChecks Account to Accept Deluxe eChecks

If you do not have an account with us, you can still receive eChecks. The check will be in a one-time view/print only PDF document. Simply open the PDF, print and deposit your check as you would any other check.

If you have a Deluxe eChecks account, you will receive all Deluxe eChecks payments in your lockbox. With the Virtual Lockbox service, you are able to view all of your payments in one centralized location. A simple "print checks" button allows you to have all of your payments at your fingertips, ready for deposit.

If You Have a Checking Account with One of Our Banking Partners

You will be able to receive Deluxe eChecks in your Virtual Lockbox and deposit them directly into your account simply by clicking the deposit button. This can all be done without ever printing the check, handling paper, or even leaving your seat. No more afternoons spent driving to the bank and waiting in long teller lines. Having a checking account with a Deluxe eChecks banking partner makes depositing your money faster and easier than ever before.

Automates Your Accounts Receivable Bookkeeping

With Deluxe eChecks, you can easily export your payment file, with remittance information, directly from your Virtual Lockbox and upload it back into your current accounting system. Know exactly which invoices have been paid at a fraction of the time it takes to enter remittance data manually.

No Payee Banking Information

All other electronic payment methods today require you to sign up for that service or worse yet require the payor and his employees to have access to YOUR banking information. Deluxe eChecks uses the same information as paper checks (date, name and amount) and your email address. Your banking information stays secure and you still receive your payment within a matter of seconds – the best of both worlds!

Safe, Secure Fraud Prevention

Deluxe's proprietary approach based on patented technology allows companies and banks to help reduce fraud by easily verifying the authenticity of checks. Customers and financial institutions using Deluxe's Check Validation service can confirm at any time that an authorized Deluxe eCheck was created by a user of the system and that the item remains unaltered since creation. This service can assist in catching and stopping fraudulent checks before they enter the banking ecosystem.

At a Glance - Payee Service Level Options & Benefits

Payee Service Level Options
Deposit Actions
Option 1:
eChecks without an account
  1. Receive an echeck
  2. Print PDF of check
  3. Cut on dotted line
  4. Deposit at Financial Institution like any other check
  • Fast Payment
  • Fraud Prevention
  • Full Remittance information
  • No interchange fees
  • No opening envelopes
Option 2:
eChecks with an account
  1. Receive email notification
  2. Login to your Deluxe eChecks account
  3. Enter your Lockbox
  4. Click “review” next to your received check
  5. Print check
  6. Cut on dotted line
  7. Deposit at Financial Institution like any other check
    • Benefits of Option 1 Plus...
    • Download payments file for input into your accounting system
    • Receive all payments in one place
Option 3:
Integrated eChecks and bank account (available when banking with participating Financial Insitutions)
  1. Receive email notification
  2. Login to your Deluxe eChecks account
  3. Enter your Lockbox
  4. Select “deposit” next to your check to process directly with your Financial Institution
  • Benefits of Option 1 & 2 Plus...
  • Checks are immediately presented for deposit into your bank account
  • No paper
  • No extra trips to your Financial Institution
  • Reduction of Carbon Footprint

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