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  How does the electronic check get from the company to my bank or credit union?

Using the routing and transit number and account number on the bottom of the paper check, an e-Check is created. The transaction will contain your name information or transaction reference number, the dollar amount, the company name, and a descriptive word. When an actual check is converted, the check number is also included.

The transactions for that day are put together in a batch and sent to the company's financial institution. The financial institution then sends the batch to the electronic network. The network then delivers the transactions to the account holding bank or credit union. This process is very similar to the way checks are cleared.

Payment Flow Diagram
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