Electronic Check Conversion

1st National’s Electronic Check Transfer (ECT) program combines the benefits of paper checks with the speed, ease and safety of electronic processing utilizing the most advanced check processing systems in the industry to make check acceptance as fast and easy as accepting credit cards. Through this system, the captured information on a customer’s check is used to create an electronic transaction at the point-of-sale. The check is converted into a paperless transaction by electronically moving funds from the customer’s bank account to the business’s bank account within 2 business days. Since the conversion process uses the same system that banks have used for years to transmit funds, check writers will continue to benefit from the float of a paper check as it will clear their account in the same amount of time. It is an extremely safe and secure process similar to direct deposits and ATM transactions.

Combined with Check Guarantee, this service delivers a streamlined check acceptance process that eliminates returned checks and returned check fees, while reducing paperwork and trips to the bank. The 1NPS ECT program allows businesses take full advantage of this new innovation in the world of electronic commerce and provides the added safety and convenience of paperless money. Businesses will accept more checks at a lower net cost, and rely on the convenience of electronic funding directly to their bank accounts. Electronic Check Conversion will not increase sales and profits, but will greatly improve cash flow and streamline business operations.

Electronic Check Conversion Solutions


  • Scan and process fast and easy check and secure check authorizations via MICR Check Reader
  • Manually enter in additional required information i.e. name, address & phone number.
  • It is recommended merchant make copy of the check
  • Return the processed check to the customer with a signed receipt
  • Save manually entered data along with signed receipt in the event material proof of transaction is requested by bank


  • Image and process fast and easy check and secure check authorizations via Check Imager
  • No need to copy check. Image is created by Check Imaging Device
  • All required information is automatically captured. No manual entry required.
  • Return the processed check to the customer with a signed receipt
  • Merchant need only save signed receipt for material proof. All other info is imaged.

Merchant Benefits

  • Provides the ability to accept checks as easily as credit cards
  • Reduces or eliminates check losses
  • Improves cash flow with funds available within two banking days
  • Eliminates returned check fees and reduces bank fees
  • Reduces labor costs associated with preparing paper checks for deposit
  • Utilizes secure, automated processing
  • Speeds customer check-out
  • Provides easy reconciliation and record keeping
  • Reduces check fraud

Customer Benefits

  • Maintains the same float as a paper check
  • Provides a complete record of the transaction on their bank statement
  • Reduces the risk from carrying cash and is cheaper than ATM transactions
  • Improves the speed and ease at check-out

Interested in what 1st National can do for your business? Give us a call or complete our “quick quote” request. Between our well rounded inventory, Class A Settlement Banks & Processors, and a full suite of Merchant Services, our talented agents are sure to be of value.

Toll Free: (877) 964-1622

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