Our weekday cutoff times are 11:00 AM EST for checks and 6:00 PM EST for ACH transfers.
Please note that checks are not mailed on USPS holidays, and ACH Direct Deposits are not processed on banking holidays.
Digital checks are typically sent instantly for added convenience.
We use geocoding to process address data, but in rare instances, errors may slip through—particularly if they aren’t autocorrected or flagged for manual review in the payments repair queue. We’ve designed our system to be as resilient and flexible as possible while maintaining strong quality control, though it does require a careful balance.
Please contact ACH Transfers to receive our ACH Origination ID
For check payments, the minimum amount is $0.01, with no maximum limit beyond what the client’s bank permits.
For ACH payments, the standard maximum is $10,000 unless a higher limit has been pre-approved through special authorization.
You can find the memo field text in the Addendum field on your bank statement.
The Send Date allows you to schedule payments for a future date. By default, it is set to the current business day if the payment is initiated before our 9:00 AM MST cutoff. If submitted after the cutoff, the next business day is automatically selected.
You can cancel a payment up until it begins processing. This is typically 9AM MST for check payments, 5 PM EST for ACH Direct Deposit payments. Digital Checks can be canceled up until the time it is redeemed.
Yes. There are integrations that export payments from Quickbooks Desktop/Online and into the ACH Transfers platform.
Our basic template, provides 300 characters on the check stub and 25 characters on the actual check. Surpassing these limits will incur additional fees.
All of our mail goes through the US Postal Service. Normally it takes around 2-5 business days. We do offer many other mailing options with faster guranteed delivery times.
Those types of errors likely have something to do with the mapping of the fields in your file upload, or a missing field in one of your payees addresses. If you correct that error after uploading, your file should be ready to go. In the case of error(s), the file will not be rejected.
Yes, we have a robust reporting system that allows you to export data acceptable for bank and accounting/ERP software importing.
Yes, you can but you must hold a Bank account that supports that type of currency in it. We are not able to convert currencies from you.
Yes, we have many clients that send checks internationally with our services.
Pending Release – Payments have been uploaded to the Checkissuing System and are waiting to be released by the Printing Team.
Released – The Printing Team has released the payments for processing.
Processing – The payments are in the process of being printed and stuffed into the proper envelopes for delivery.
Sent Out – The payments have been printed and the US Postal Service has picked them up from our Headquarters in Colorado for delivery.
Returned – After being sent successfully, there were errors with the payment and it could not be delivered. (Most likely returned for a bad address)
Canceled – The client has requested for the payment to be cancelled.
Posted Cashed – The payments have been successfully received by the beneficiary and they have cashed the payment.
Yes, we do offer this service. There is a one-time $75.00 processing fee and then it is typically $.95 per recipient + postage, with bulk discounts available.
We have several ways to verify our clients bank accounts. We use a 3rd party system that we can use to instantly verify your account, or we can send micro-deposits (small deposits of under $1.00) that you would have to verify.
Yes, because they have a similar MICR line as US Banks. We may need a voided check and/or a letter from your bank to verify the account before setup can be completed.
Checkissuing is SOCII-SSAE 16 Type II Audit certified, HIPPA compliant, and our systems are hosted on Amazon Cloud (AWS).
We are Headquartered in Tempe, Arizona and all mail pieces are sent out from our location at 1835 E. Sixth St. #22, Tempe, AZ 85288
Yes, we do. Please Contact Us for more details on this.
Yes, you can. Since there are no processing fees or monthly minimums, it doesn’t make a difference in costs whether you use us one-time or on a regular basis.
A color or black/white logo can be added to your check stub and/or envelope.
Checkissuing has a complementary same day printing and mailing service if your files are uploaded before 11AM EST. Fees will apply for past deadline uploads for same day printing up until our hard cut off time of 1PM EST.
You can upload your Excel file saved as a .CSV or push your information through our API.
You can use the permission settings to set your preferred access for your users. Access can be limited to just viewing reports.
There is no limit but for security purposes, we recommend not having to many. The primary user has access to all the permission settings per new user.
Yes, once you are integrated into the ACH Transfers system there is a Reports Tab that allows you to run all the reports needed.
There are no monthly fees for our services, and there may be a setup fee based on what services and customization you require.
No. We do not offer mailing services. ACH Transfers only provides digital devliery.
Yes, there are various ways you can market your brand including color or black/white logos on the check stub or envelope, or including color or black and white marketing elements.
Positive pay is a cash-management service employed to deter check fraud. Banks use it to match the checks a company issues with those it presents for payment. Any check considered to be potentially fraudulent is sent back to the issuer for examination. It normally takes about 30 days to fully set up your positive pay program with your bank.
We have integrations with various ERP and accounting systems. Please Contact Us with your specific needs.
Our fees are based off monthly volumes. Please Contact Us for the specific pricing tiers.
All client data is fully-encrypted and stored on Amazon Cloud (AWS), the same platform that the NSA uses to store their information.
No, you only pay for what you print.
As we dont have any long-term contracts, setup fees or monthly fees, our service is use as you need.
We average about 2-3 business days. We can move as fast as you need us to. The MICRO Deposits we send to verify your bank account take about 24 hours to hit.
We send you an invoice at the beginning of each week or month depending on your setup. Our billing payment options for include an ACH debit out of your bank account, you can write a check out of your account using our system, or you can push an ACH into our account.
Depending on the services you would like, they will vary. Please contact a representative for more details.
To manually upload a file to our system, we accept. CSV files, which can be easily converted from Excel. We also have an API that can be used to communicate with our systems.
We do not operate on the following national holidays:
Not currently.
0.01 – no real maximum for checks. We have some sending limits on ACH’s but they’re on a client by client basis and with notice we can accommodate higher amounts.
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