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eCheck Historical Library

There are some links to our historical archive that contain papers, specs, and other documentation related to the founding and initialization of the eCheck Initiative back in the late 90’s.


See the process and eCheck flows from payer to payee, learn about the benefits of eChecks, the U.S. Treasury’s needs for electronic payments, and how cryptography makes eChecks secure.

White Papers

More depth on the eCheck systems architecture and on the overall features and benefits of eCheck.

Specs and other Reference Documents

FSML specification; implementation guide and other reference documents.

A Brief History of Checking

Trace the use of checks from Roman times to the present.

Glossary of eCheck terminology

Find definitions for all the terms association with eChecks.


View photographs associated with the historic launch of eCheck.

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