Why would you want to use Check21 RCC?
Due to NACHA's rule changes in September 2015, a lot of "good companies" are being barred from using the ACH system to process their one-time and recurring transactions. Your transaction fees may by lower using RCC than ACH! Why not call us to see if RCC is "Right for Your Company"?

Create Remote Electronic Check

Electronic Checks (eChecks) are Safe, Simple & Secure... “Remotely created checks” typically are created when the holder of a checking account authorizes a payee to draw a check on that account but does not actually sign the check. In place of the "paper draft" being created, we create an electronic transaction. Remotely Created Checks (RCCs) can be a useful payment device for some depositors under certain circumstances. In the current marketplace, RCCs may be used for recurring payments, one-time payments and collection activities authorized over the telephone, as well as contracts that necessitate same-day availability of funds. See Check 21 versus ACH processing.

A "RCPO" & "RCC" do not get processed through the ACH (Automated Clearing House) and, therefore, are not regulated by NACHA.

A remotely created check is subject to state law on negotiable instruments, specifically Articles 3 and 4 of the Uniform Commercial Code (U.C.C.) as adopted in each state. Under the U.C.C., a bank that pays a check drawn on the account of one of its customers may charge a customer’s account for a check only if the check is properly payable. A remotely created check is defined under Regulation CC (Reg. CC), as amended in 2005 by the Federal Reserve Board, as: . . . [A] check that is not created by the paying bank and that does not bear a signature applied, or purported to be applied, by the person on whose account the check is drawn. The drawer grants the payee (merchant) authorization to produce a remotely created check drawn on the drawer’s account. See both Federal Trade Commission: Telemarketing Sales Rule; Final Rule & An Examination of Remotely Created Checks


  • RCC are not subject to .5% Unauthorized Return Rates
    Collect Larger Transaction amounts than using ACH
    Same-Day Deposit into Multiple Accounts
    Lower Return Rates than using ACH


  • Process up to 100,000 checks PER BATCH
    Deposit Checks into Multiple Accounts
    Deposit Checks from Multiple Locations
    Online, Real-time reports for easy Bank Reconciliations
    Automatically Match each check you scan to the invoice it's paying
    Use the "memory" function for faster identification of customer's you have done business with in the past
    Check for errors or duplicate entries automatically every time you make a deposit
    Resubmit NSF checks Automatically
    Dynamic Report Generator
    • Choose Any / All Data
    • Choose Any Date Range
    • Save as a template or view one-time and even share with staff members online
    Works with QuickBooks® software 2002 and newer (Not online version)

Ask about our special:

RCC "CHECK by Phone" & RCC "Check by FAX" for Mail Order & Telephone Order!

With our Electronic Remotely Created Check Software, you can make your check deposits in QuickBooks®, from the convenience of your store or office, through the internet using your PC!

How Check 21 works:

Deposit all types of U.S. dollar checks drawn on any bank in the country including personal checks, business checks, government checks and warrants, money orders and traveler's checks over the Internet.

The use of electronic check conversion - also known as Check 21, Accounts Receivable Check (ARC), Point of Purchase (POP), or Back Office Conversion (BOC) in banking terms - is among the fastest growing types of ACH applications due to its enormous benefits. Using our proprietary Internet-based Back office conversion "Remote Deposit Capture" software and check scanning reader, you can scan conventional paper checks and transform them into an electronic check deposit. The software also stores the check data and check images in a database for future research and retrieval, re-submission of NSF checks and more.

You accept many checks each month from customers. Currently, you would have to look up each customer account, apply the payment to the account, stamp the check for deposit, create a deposit slip, drive to the bank, stand in a long line and make the deposit. On top of this, your bank will typically charge an "item deposit fee" for every check you deposit. Too time consuming and too expensive!

Our in-house Electronic Check experts are standing ready to help you make an informed decision to move your company's payment processing forward.

Allow us to offer and create an electronic payment processing program to provide you access to your funds in an expeditious manner.

Compare our service and prices to our competitors and
Give Us A Call

(800) 969-8047

Apply NOW

Stop Going to Your Bank to Deposit Checks!