Our Checks by Phone, by FAX, or Checks by Internet system is not an ACH or EFT system. It does not transfer funds electronically. Our system is actually faster, less expensive and much more full-featured than an electronic funds transfer system.
Our Vcheck system produces what is known in the banking industry as a one-time paper draft, demand draft, or sight draft. Once printed, an authorized demand draft holds the same legal status as any other check you may receive by mail or in person. See the FAQ page for more details.
One of the most common questions we receive is "What about the customer's signature?" The Federal Trade Commission and Banking Laws that cover Demand Drafts allow such checks to be created without a signature as long as you have the verbal or written or online consent of the checking account holder.
However, our system has the exclusive feature of Electronically Captured Signatures. This special feature actually allows your customers to sign the check they are submitting with their mouse! This electronic signature is converted to an image and placed on the check that you print. If printed on blank check stock using MICR toner, there is absolutely no difference in appearance nor functionality between a check our system produces and one the customer would write by hand. See our FAQ or Other Services pages for more details on blank check stock and MICR Toner.
Below are images (reduced in size) of checks produced by our system. Assuming you have either Adobe Reader, the highly recommended Foxit Reader, or other PDF viewer installed, you can view the actual PDF file for each type of check by clicking on the image.