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How To Create and Send An ECheck

An eCheck, which is short for electronic checks are paperless checks that can be used the same ways traditional checks are used, with the only difference being they are virtual or electronic. Currently, more finances are now performed virtually, making eChecks an attractive and convenient option.

Echecks are commonly used to make purchases, send money to others, and to pay bills. Some eChecks take the same amount of time as a traditional check to clear at approximately 3-5 business days, however many times it is quicker then a traditional check.

The following article will outline how to create and send an eCheck.

Note, if you want to know how to send a Paypal eCheck which is NOT the same as a regular ‘eCheck’ read our How to Create and Send a Paypal eCheck.

To create a (traditional) eCheck you will need to enter most of the information that you would normally input on a traditional check.

Where to Create & Send EChecks From?

To send an ECheck, you’ll need some sort of Echeck service or banking service that allows you to create & send eChecks from.

  • Many traditional banks (especially national banks) offer Echeck functionality from the online banking platform — you simply need to log in.
  • Internet Banks tend to offer Echeck functionality
  • Echeck vendors allow you to sign up, link the service to your bank account, and transfer money via echeck online (Delux Echecks, for example, is a service that allows you to send echecks online). You’ll have to look around online for a specific service.
  • Paypal also offers a hybrid Echeck service where you can fund your paypal payments via your bank account from echeck.

Note, if you buy something online from a website, there may be an option from the payment portal area to fund your purchase directly via echeck. If this is the case, you don’t need to have an ECheck service available to you, you simply need to use the payment processor’s echeck payment service which will do all the work for you. 

Enter Banking Information

Begin by choosing one of the options that enable you to use an eCheck such as : ‘eCheck,’ ‘Online Check,’ or Checking Account’ on the site you will be using to make a purchase or send/make the payment. Once on this screen you will be prompted to enter your checking account information as follows below.

To make a payment with an eCheck, you will need to enter specific banking information.

Assuming that you have an eCheck service or platform available for you (such as your bank’s online website portal that supports echeck sending), here’s how to go about sending an echeck.

Remember an eCheck is just an electronic version of a paper check so you will need the exact same information that is located on your paper checks. Simply refer to your paper checks and input the information that is on the bottom of the check as explained below. If you do not have paper checks, you can simply find this information on your online banking account, or by calling your bank and asking for your routing number and your account number.

  • You will see separate text boxes with one saying “Routing number” and Account Number”.
  • Your routing number is 9 digits long and is the first numbers located on the bottom of the physical check. This number represents the specific bank that you are using.
  • Your account number is usually 8-10 digits long and is located right after your routing number on the bottom of your checks.
  • Although not common, some eChecks will also require a check number, while some will not. If you are required to enter a check number, enter a number from your current check book and be sure to void that paper check. If you do not have any paper checks you can leave this section blank.

The following illustration shows where the information on a check is located:


Next, you will have to fill out some personal information and details about the eCheck. You will have to enter the date you will want the funds to be drawn from your checking account. Ensure to have enough funds in your checking account, as eChecks can bounce the same way a paper check would. Keep in mind that many times eChecks can clear quicker then a regular check so ensure you cover your checking account immediately if you do not have enough funds. If the check bounces you can be charged a hefty fee that can range up to $25 or 5% of the amount the check was made for.

Banks will have all of the details you need to send an echeck listed on their website. So it is important to know the bank routing number, account number in order to transfer money successfully online. If you use a service like Transferwise, they will walk you through all the information you need to wire money to and from.

1. Enter Personal Information

In addition you will have to enter basic personal details such as your first and last name, as well as the amount of the check. Some eChecks will even have a memo or notes line allowing you to type in the purpose of the check, or a note to the receiver of the check, just like you would on a traditional check.

After you have entered all the information, go over everything to make sure you did not make a mistake then click send or submit at the bottom of the page. Note that once you enter all the banking information, many times you will have the option to save the information, allowing you to quickly send an eCheck the next time you use that site.

The following image illustrates how a eCheck form will usually be displayed:


2. Receive confirmation number

When you send the eCheck you should be routed to a page saying that your eCheck has been successfully submitted. In addition some sort of confirmation number should also be provided to you. Save this confirmation number as you will need it should any problems with the eCheck arise such as it bouncing or not being received somehow.

3. Online Security

Before sending the eCheck it is important to verify that the website you are using is safe and encrypted. To do this look at the top of your web browser where you would type in the website address, if you see a little green lock icon on the left or right of the bar this means that the site is safe and encrypted. If you do not see this green lock icon then there is a good chance the site is not encrypted and it is recommended not to proceed with the eCheck on that site. Most sites are safe and encrypted but it is better to be safe then sorry.

Advantages of Echecks

Now that you know how to create an eCheck, here are a few advantages of using an eCheck over a traditional check or other forms of payment.


an Echeck is quick to create, and can be used for a variety of payments such as online purchases, bill payments, and sending money to others.

Quick Clearing

many eChecks clear a lot quicker then traditional checks, in fact some eChecks can clear in the same day.

Very Secure

Paper checks can be tampered with, as the amount can be changed etc, with eChecks this is not an issue. There is less chance of fraud with an eCheck. In addtion, since eChecks are tied to your actual bank account, the money is protected by the many layers of banking regulations should something go wrong.

Save Money

paper checks can be expensive costing as much as $50 for a box of checks, eChecks are virtually free, with minimal, if any processing fees.

Widely Accepted

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eChecks can be used worldwide, allowing you to make payments that you would normally not be able to make with a paper check

About The Author

Ben Todd

Ben was a seriously broke graduate student with bad credit who after finding himself rejected for any sort of credit card or loan for most of his adult life, finally decided to get his financial life in order. ' He spent several years reading as many financial advice books and blogs as he could. And suprisingly, Ben found he actually LIKED the topic of personal finance; after fixing his own finances, starting his own successful work at home website business, and using his earnings to get out of debt, created to help others do likewise!


  1. David B Deioma

    You do not say how you can limit the amount taken from my checking account if the vendor’s e-check is used.

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  3. echeckmerchant

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