Frequently Asked Questions



What is a Deluxe eChecks?

Deluxe eChecks are simply checks sent at the speed of email.
  • You can send or receive Deluxe eChecks from anywhere there's an internet connection
  • No additional software or technology is required
  • You can send to anyone with an email address

How do I email a Deluxe eCheck?

  • Register for free in our secure online payment system
  • Link to your checking account
  • Purchase Deluxe eChecks
  • Start writing and emailing checks (all you need is the recipient's email address)

Enterprise customers can avail of file uploads or comprehensive APIs.
Please call 855.688.9668.

How do I receive a check?

Receiving a check by email is free and no registration is required.
  • You’ll be notified by email that you’ve received a payment
  • Retrieve your Deluxe eCheck from our secure online system
  • Print your check
  • Cash or deposit it just like a regular check

Receive a $1 emailable check free today! 877.632.7573

Will banks accept my Deluxe eChecks?

Yes. Deluxe eChecks are exactly like any other check accepted by your financial institution. If your financial institution does have questions, they can simply follow the directions on the check to verify its authenticity.

What are the costs and savings associated with Deluxe eChecks?

Deluxe eChecks are purchased just like regular checks, and are priced based on the quantity you purchase. Because of their unique delivery method, there are no other fees associated with sending eChecks, including the fact that you do not need to purchase specialty check stock, envelopes, stamps, nor invest the staff hours to print, sign, stuff, and physically mail eChecks.

Enterprise customers please contact 855.688.9668 for cost and savings.

Are there additional fees associated with Deluxe eChecks

Pay for the quantity that best fits your needs and that’s it: no subscriptions, contracts, monthly fees or hidden costs.


How do Deluxe eChecks protect against fraud?

Deluxe eChecks feature a traceable pedigree along with other security features, including:
  • Limited touchpoints

    The typical paper check is touched by as many as 8 people from the time it’s issued to the time it’s cashed. That’s 6 interception points between the issuer and the receiver where fraud can be perpetrated. Deluxe eChecks are sent directly from payer to payee, eliminating those interception points.
  • Separation of controls

    By providing for separation of controls, we give you the ability to assign members access to your accounts, while delegating what functions they’ll be allowed to perform (create checks, sign checks, etc.)
  • Secure, online retrieval

    Deluxe eChecks are not sent as an attachment. Instead, they are retrieved via a link from a secure, online system.
  • Verification on our secure online database

    Each Deluxe eCheck receives a proprietary stamp that allows financial institutions to verify the authenticity of every check issued.

What security protocols are used on the eChecks platform?

The Deluxe eCheck software-as-a-service is deployed using best practices for high availability and bank level SSL security and our secured data centers are regularly reviewed for compliance.

How can a bank verify the validity of an eCheck?

Each Deluxe eCheck receives a complex, cryptographic time stamp. If your bank does have questions, they can simply follow the directions provided on every eCheck to verify its authenticity, and confirm that it has not been modified or altered since the time it was issued.

Does any information on the system live or stay “in the cloud”?

The Deluxe eCheck software-as-a-service is deployed using best practices for high availability and security. Thus, for example, data that is “in the cloud” is in physically secured data centers that are regularly reviewed for compliance.

Can I really just print a check from a regular printer?

Yes. Just like other important documents such as airline boarding passes, Deluxe eChecks can be printed on your printer. Once printed, Deluxe eChecks can be deposited at financial institutions just like paper checks.


How do Deluxe eChecks differ from ACH, PayPal or other electronic payment systems?

Deluxe eChecks are guaranteed to save you time and money while protecting you better against fraud than other available payment processes. Here’s how they stack up »

How is this different from sending checks via bank services?

There are several ways Deluxe eChecks are different:
  • Deluxe eChecks provide remittance information
  • Deluxe eChecks require just the recipient’s email address; no banking information is needed
  • You, not the bank, control sending the check
  • Bank services may have additional processing times and/or rush fees

QuickBooks Integration

Are Deluxe eChecks compatible with QuickBooks?

Yes. You can use Deluxe eChecks with QuickBooks just like you always have with regular checks. The difference is, your payments will be delivered automatically via email saving you both time and money. In fact, the more emailable checks you send, the more you’ll save.

How do I use the Add-on to send Deluxe eChecks?

It’s simple. Just prepare your payments like you always have using QuickBooks then:
  • Click on the Deluxe eChecks Add-on to pull information from QuickBooks.
  • Hit send.

No printing, signing or mailing. All your payments are processed and delivered in 4-5 seconds rather than days.

Do I need special software to create Deluxe eChecks using QuickBooks?

No. Simply download the Deluxe eChecks Add-on to get started.

What is an Add-on?

Our Add-on is a simple, downloadable utility that works with QuickBooks, allowing you to easily create Deluxe eChecks without the need for double entries.

Is there a cost for the Add-on?

No. We provide the Add-on free of charge for our Deluxe eChecks customers.

With what versions of QuickBooks does the Add-on work?

Currently, our Deluxe eChecks Add-on works with QuickBooks Desktop 2010 and newer. Can I use the Add-on with QuickBooks Online or QuickBooks Mac? Not yet, but we’re working on it so be sure to check back regularly.

eChecks for enterprise use

How quickly can Deluxe eChecks send out a large quantity of check payments?

With our flexible APIs, the Deluxe system can process and send thousands, even millions of checks.. In fact, very large batch runs can usually be completed, authorized, and sent faster than a handful of checks can be printed, signed, stuffed, and mailed.

Do we need a particular account software or platform to access eChecks?

Whether your systems are proprietary or off-the-shelf, our Application Programming Interface (API) allows easy integration to allow disbursements of thousands, even millions, of payments and payment-related information. Our Professional Services team can help you, or an approved third-party, complete most integrations rapidly.

Mobile checkbook app

Can I setup my account through the Mobile App?

Due to the need for enhanced security, you must setup your Deluxe eChecks account and link your checking account before downloading and using the app. Once your setup has been completed, you can log in using your Deluxe eChecks credentials and start issuing and receiving payments.

Is the Mobile App free?

Yes, the Mobile App is provided free of charge to Deluxe eChecks customers.

Can I add a recipient and send an Deluxe eCheck immediately through the Mobile App?

You can issue Deluxe eChecks to anyone simply by typing in their name and email. You can even use your contacts or a predefined payee list.

Ready to get started?

Get started with our special introductory offer – 50 Deluxe eChecks for just $30

Questions? Still curious how they work? We’re here to help! 877.632.7573
We’ll even send you a $1 eCheck so you can see for yourself how fast and easy it is to send and receive payments by email.
echecks mobile App

Mobile Checkbook App

Pay anytime, from anywhere using your smartphone or tablet.Learn more about the Mobile Checkbook app »
echecks mobile App
echecks mobile App
echecks mobile App
echecks mobile App

Help & Support

Customer Support: 800.631.8962
Monday-Friday -- 7:00 am - 10:00 pm CST
Saturday -- 8:00 am - 4:30 pm CST
Online Chat »