Virtual Check21

Using the Check21.com Virtual Check 21 System enables merchants to create a virtual check ("Print Demand Draft", "Check 21 Demand Draft") using their customer's bank account information. This virtual check is then verified, at the request of the merchant, against Check21.com's three-tier check verification system.

Upon successful verification, Check21.com provides the merchants depository bank with an X9.37/Check 21 file inclusive of transaction data and a virtual image of a check based on that data. The process is similar to that of the Check21.com Remote Deposit Capture Solution, with the only distinction is an inclusion of a virtual check in place of a physical check.