eChecks Provide Secure Online Payments


Developed with security in mind.

When it comes to check payments, security is paramount. Built on a foundation of security, Deluxe eChecks feature a traceable pedigree along with other security features to minimize the chance of fraud.
  • Over 100 years of Deluxe's security expertise is built into each check
  • No banking information is ever transmitted via email
  • Unique delivery method reduces the number of people touch each check
  • Recipients and financial institutions can easily verify each check's authenticity
  • Our online system is highly secure, because your security is our top concern

Deluxe eChecks state-of-the-art security features virtually eliminate check fraud for greater peace of mind.

  • State-of-the-art platform security

    Our servers are housed in a secure, camera-monitored environment behind closed doors. By employing an intricate system of checks and balances, we control who can access our records. Deluxe eChecks are not sent as an attachment but are retrieved via a link from our secure, online system.
  • Organizational and Financial Controls

    As the administrator of your Deluxe eChecks account, you'll be able to designate not only who can log into the account, but also what they can do within the account. These permission levels include options such as:
    • create checks
    • sign and send checks
    • and more, depending on their needs and role
    By providing this Separation of Controls feature, we've added an extra layer of flexibility and security to your eChecks account – one that can only be modified by the account administrator.
  • Reduced touchpoints = reduced risk of fraud

    The typical paper check is touched by 8 people during its life cycle, from issued to deposit. Deluxe eChecks go directly from the issuer to the recipient, eliminating 6 interception points where fraud could be perpetrated.
  • Check voids and Stop Payments

    Until a Deluxe eCheck has been retrieved and printed, it can be voided through the online system, virtually eliminating the need to issue Stop Payments. Once voided, an eCheck will no longer be retrievable.
  • Verification on our secure online database

    Our patented technology includes a proprietary stamp on each eCheck that allows financial institution's to verify authenticity.
  • No need to store sensitive financial information

    Unlike other electronic payment methods, all you need to send eChecks is your recipient's email address. There's no need to obtain recipient's sensitive financial information so you don't have to worry about keeping someone else's bank information secure.

Frequently Asked Questions


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.See All FAQs »
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

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.


out of 5

The process is invaluable

The process is invaluable. A lot of stuff in our business is last minute or spur of the moment and you have to get it out really quickly and someone needs it immediately, so mailing a check is impossible. This is a tangible product that they can have in their hands immediately. It is made for our business, it's perfect.
Read more testimonials
(4.8 average from 31 ratings)


Help & Support

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