How to take a check by phone:
What is check by phone?
Can I take a check by phone?
How does check by phone software work?
How to accept a check by phone payment.
All businesses can directly benefit from taking
check by phone
This is the most popular way to take checks from customers, clients,
tenants, policy holders, and patients.
You can take a check by phone from your customers by inbound or
outbound call. Direct marketing, telemarketing, sales,
collections, dating services, MLM, credit counseling, insurance
agents, and just about any industry can take checks by phone
using CheckWriter software. Unlike ACH systems that are
governed by N.A.C.H.A. regulations, check drafting is not.
Over the phone, take the customer's name and/or company name and
address that is printed on their check, then ask for the check
number (optional), the 9 digit
routing number ex. |:123456789|:
and the account number. Be sure the customer agrees to the
amount of the check, and you are done.
After you receive a
check by phone
from your customer, using
software like CheckWriter™, you enter the information you
and then using a laser or ink jet printer, you create a draft of the
check, with no signature required.
CheckWriter™ will print a
draft that you can
then deposit into any U.S. bank the same day. The draft
will be treated just like a check you receive through the mail
or over the counter. Just endorse the back, and make your
Benefits to taking a check by phone:
Phone checks are easy to process and require only verbal
authorization from the customer. Because N.A.C.H.A. regulations
do not apply to check drafting, you do not need to record the
In the name of accurate record keeping, you can enter notes
about the conversation, or inbound caller ID information into
the NOTES section of the CheckWriter software. This can
help to keep a record of how the transaction was initiated in
case the customer has questions in the future.
CheckWriter™ software has built in
routing number validation, so
should you happen to transpose the routing number and account
number when taking a check by phone, or if you get the routing
number wrong completely, the built in validation script will let
CheckWriter Software and check by phone
When you use CheckWriter™ software, you can enter this
information into the main screen of the software while you are
on the phone. This way, you don't need to double-type the
details, and there is less room for human error. Just
follow the prompts tab by tab and ask the check by phone
customer the questions as they appear. Once you finish
completing the main screen, you can print the draft of your
phone check immediately.
CheckWriter™ software will allow you to
accept check by phone,
check by fax and online check payments remotely. Taking checks by phone is
the most popular because you can get impulse sales, take
immediate collections, cater to non-credit card customers and
there are no special procedures or cumbersome documentation
requirements. Just ask, enter, print and deposit.
For additional information about taking checks by phone, see the
Checks by fax:
Learn how to take checks by
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