Introduction   |   Benefits   |   How It Works   |   Fast Facts   |   FAQ   |   Business Checks

 

Introduction to Check Conversion

Check conversion for Automated Clearing House (ACH) processing is among the fastest growing types of electronic payment applications due to its enormous benefits.

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Check conversion has added efficiency to the nation's payment system, generated savings for businesses, and led to more privacy, fewer errors, and greater protection for consumers.

Your individual customers may have questions and concerns about the check conversion process, and may contact you for clarification. Additionally, your business customers may want to learn how to start taking advantage of the considerable cost savings that check conversion offers.

We hope you will use the information and training resources in this section of the site to educate your staff about check conversion and to explain the process to your customers.

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Benefits

Find out how check conversion increases efficiencies for the U.S. economy and protects the financial privacy of individuals, while achieving considerable cost savings for business customers. See more benefits »
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How it Works

View every step in the process for both your business and individual customers, from initial notification to post-conversion confirmation. Read More »
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Fast Facts

Check payment volume is declining and electronic payment volume is increasing.
Read More »
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FAQ

Get answers to frequently asked questions about check conversion.
View the FAQs »
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Business Checks Ineligible for Conversion

What is the Auxiliary On-Us Field? How do you identify business checks that are ineligible for conversion?
Learn about this important NACHA rule »

New Rule: Business Checks

Learn more about the "Identification of Business Checks Ineligible for Conversion" rule, and what this means to your financial institution.
More about this NACHA rule »

Common Types of Check Conversion

  • Accounts Receivable Entry (ARC)
    Conversion of checks that are written by consumers to pay bills, and are converted by the business or organization receiving the bill.
  • Point of Purchase (POP)
    Conversion for checks that are written at a store checkout counter for goods or services purchased that day.
  • Back Office Conversion (BOC)
    Conversion for checks that are written at a payment location for goods or services, and later converted from paper to an ACH electronic debit at a centralized location.