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The Automated Clearing House (ACH) Network is a highly reliable and efficient electronic funds transfer system which provides for the clearing of electronic payments for participating depository financial institutions. ACH payment processing has the lowest cost in processing fees.

ACH payments include:

• Direct Deposit of payroll, Social Security and other government benefits, and tax refunds

• Direct Payment of consumer bills such as mortgages, loans, utility bills and insurance premiums

• Business-to-business payments

• E-checks

• E-commerce payments

• Federal, state and local tax payments

Check Guarantee Services

Don’t Accept Risk When You Accept Checks!

Check Guarantee virtually eliminates the risk of accepting checks. With more than 18 billion checks presented each year at retail locations it is important to give your customers their choice of payment. In today’s economy. having a check guarantee program is an important means of minimizing risk.

QUICK FACTS

• Assures you’re paid for every check.

• Easy for your staff to learn and use.

• Automatic reimbursements direct to your account!

• Process guarantee transactions right on your POS terminal.

• Verify each check before accepting it using the NCN database.

• Returned checks delivered directly from your bank to ECHO for reimbursement and collection.