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Check Conversion Services

Electronic check processing and conversion delivers cost savings, speed, and innovation to companies’ accounts receivable check processing with Automated Clearing House (ACH) transaction and Check Conversion Services.  

If a business client of your institution receives consumer checks through the mail or from a drop box location, the payments can be processed as electronic transactions using our convenient ACH/Check Conversion Services – part of Jack Henry and Associates’ (JHA) integrated platform of comprehensive Enterprise Payment Solutions (EPS).  

All a business needs is an internet connection and a web browser to access this user-friendly, online merchant portal. After feeding a check into the scanner, JHAs’ merchant portal captures MICR information and a digital image of the check. Account information is verified through JHAs’ secure, near-real-time gateway, and the payment is processed via the Federal Reserve System’s ACH Network – the same system commonly used for direct deposit payroll. Funds are withdrawn from the consumer’s account on the next business day and then deposited to your institution for settlement.   

What It Does

  • Processes consumer checks as electronic transactions.
  • Uses a check scanner to capture MICR information and a digital image of the check.
  • Verifies account information through JHAs’ secure, near-real-time gateway.
  • Processes the payment through the Federal Reserve System’s ACH Network.
  • Withdraws funds from the consumer’s account on the next business day and then deposits into the company’s bank account within one to three business days.
  • Allows for companies to destroy the original paper checks, effectively reducing the risk of tampering. 

What It Does For Me

  • Eliminates many of the costs and liabilities associated with paper checks.
  • Dramatically speeds payment processing.
  • Lowers costs of bank deposit preparation and deposit fees.
  • Requires very little capital investment.
  • Enables fast implementation and upgrades.
  • Requires no software to purchase or install, and no licensing fees to pay.
  • Accelerates cash flow – transactions settle within one to three business days.
  • Facilitates secure, 100 percent NACHA compliant electronic check processing.
 
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  • Product Briefs
    ACH/Check Conversion Services

    Electronic check processing and conversion delivers cost savings, speed, and innovation to companies’ accounts receivable check processing with Automated Clearing House (ACH) transaction and Check Conversion Services.
Knowledge Center
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Why does RDC enhance customer attraction and loyalty?

Find the answer on our Payments Knowledge Center.​​​​