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Check drafts, explained
A check draft, or remotely created check, lets a business get paid by check the day its customer approves, without waiting for the mail. These guides cover what they are, the rules, how authorization works, and how to print and deposit them.
- Guide
What is a remotely created check?
A remotely created check (RCC) is drawn on a customer's account with their authorization but without their signature. How RCCs work, and when to use one.
Read - Comparison
Check drafts vs. ACH debit vs. cards vs. mailed checks
How four ways to collect a business payment compare on speed, fees, setup, what your customer has to do and who carries the risk if it's disputed.
Read - Rules
Are remotely created checks legal?
Yes, with the account holder's authorization. What Regulation CC, state UCC rules and the FTC's telemarketing rule say about remotely created checks.
Read - Guide
How check draft authorization works
Every check draft needs the account holder's authorization. The three ways to get it, what a good record includes, and how your customer can stop it.
Read - Guide
How to get paid by check without waiting for the mail
Business customers who pay by check pay on their own schedule. How to collect the same payment the day they say yes, with a check draft they approve by email.
Read - Guide
How to accept a check payment over the phone or by email
A business customer on the phone says they'll pay by check. How to take that payment now with a check draft, and get a signed approval instead of a verbal OK.
Read - Guide
How to deposit a remotely created check
Deposit a check draft like any other check: at a teller, an ATM or by remote deposit, where your bank allows it. What to ask your bank before the first one.
Read - Guide
How to print a check draft with a MICR line
What you need to print check drafts your bank can process: blank security check stock, a laser printer, a correctly placed E-13B MICR line and the right toner.
Read - Guide
What happens if a payer disputes a check draft?
Why check drafts get returned, how an unauthorized claim flows back to the business that deposited it, and the records that settle a dispute.
Read - Glossary
Check drafting glossary
Check drafting terms defined in plain English: remotely created check, MICR line, E-13B, Regulation CC, blanket authorization, Positive Pay and more.
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