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Electronic Check Processing (ECP)

Frequently Asked Questions

What happens to the physical check when it is processed through ECP?

The physical check is destroyed within 14 days. It is not returned to the check writer. The electronic copy remains in ECP for 7 years.

What happens if a check cannot be converted electronically to an ACH debit?

A substitute paper check is created from the check image. That new paper check is then put through the paper check clearing system. It is treated and settled the way a regular paper check would be.

When is 215 reporting available?

At 7:30 a.m. ET on the day after the batch is submitted.

How can I pull a check image without an Individual Reference Number (IRN)?

On the payment query screen, give as much information as you can. Key information includes capture date, bank routing number, check number, and amount. Limit the capture date range as much as possible.

Where can I find the Adjustment, Correction, Rescission (ACR) form?

Within the ECP site, look under Help, Useful Resources.

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