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)

In-Network Banks: 

• Amerant Bank, Bank of America, Bank of the West, BB&T (now Truist), BMO Harris, California Bank and Trust, Capital One, Chase, Citibank, Citizens Bank, City National Bank, Fifth Third Bank, HSBC, Huntington National Bank, Iberia Bank, Key Bank, M&T Bank, Navy Federal, Peoples United Bank, PNC Bank, Regions Bank, Space Coast Credit Union, SunTrust (now Truist), TD Bank, Union Bank (now US Bank), US Bank, Valley National Bank, Wells Fargo.

• What if a Merchant does not have an in-network bank? Easiest option is to open an in network bank 

If merchant is unable to set up an in network bank, they can apply online 

• TD Bank

• Bank of America 

• BB&T 

• Suntrust

• Chase 

• If 25k or more and high risk, we can scan checks to their bank

• eCommerce for Physical Goods < $100