eCheck Underwriting Requirements 

1. Last Month's US Business Bank Statement

• If new business, $5,000+ required (some exceptions could apply - ask us if unsure)

2. Owner's Drivers License

3. Voided Check / Bank Letter

4. Articles of Inc / Org

5. Signed Deposit Service Agreement

6. 2 Months Processing History (if startup, $5,000+ bank balance)

We can now assist merchants in opening eCheck friendly accounts. Email support@seamlesschex.com for more info. 

In-Network Banks: 

• Amerant Bank, Ameris, Bank of America, Bank of the West (now BMO), Bank United, BB&T (now Truist), BMO Harris, California Bank and Trust, Capital One, Chase, Citibank, Citizens Bank, City National Bank, Dime Community Bank, Fifth Third Bank, First Citizens of CA, First National Bank of Long Island, HSBC, Huntington National Bank, Iberia Bank, IThink Financial, Key Bank, M&T Bank, PNC Bank, Regions Bank, SouthState Bank, Space Coast Credit Union, SunTrust (now Truist), Union Bank (now US Bank), US Bank, Valley National Bank, Wells Fargo. 

• What if a Merchant does not have an in-network bank?

1.  Open an eCheck friendly bank account. Email us to make an introduction. 

2. Scan Service: Remote deposit capture secures your transactions by creating a digital record of each deposit, reducing fraud risks while improving tracking, organization, and financial management.

3. Paynote – With verified ACH/Paynote, merchants will be able to use their current bank accounts. Please reference the requirements for signing up for Paynote. 

4. ACH  – With ACH, merchants with be able to keep their current bank account. Please reference qualifications. 

UPDATED 3/27/25

• eCommerce for Physical Goods < $100