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check imaging information
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Related topics

  • imaging software & hardware
  • check scanning
  • check scanners
  • back office conversion
  • remote deposit
  • document imaging
  • check 21 changes
  • Delphi developer's image components

Check-to-ACH conversion options

The changing world of checks is reflected in current and upcoming options in clearing checks through the ACH system. There are now three options, and they all leverage the changes made by Check 21 to provide businesses with check-handling options:

  • Point-of-purchase (POP) since September 2000
    Checks are converted at a cash register and returned to customers as they finish checking out. Check writers must sign an agreement for this to happen. Learn more about POP >>

  • Accounts receivable conversion (ARC) since March 2002
    Checks converted when a customer mails a paper check to pay a bill or drops a check into a drop box. Perhaps you've noticed that your mortgage check payments no longer clear as checks, but as electronic payments. Learn more about ARC >>

  • Back-office conversion (BOC) since March 2007
    Checks written at stores or at manned bill payment locations and converted later in the “Back office.” The requirement for a signature is replaced with a notice. Some other restrictions apply. Learn more about BOC >>

Source: “Helping you prepare for back-office conversion, ” Fedfocus: News from the Federal Reserve Banks, vol. 4, issue 5, September 2006

The FRB also has prepared a side-by-side comparison of BOC, ARC, and POP. NACHA has published a Guide to Implementing a Back Office Conversion Entry Program, which is available from the NACHA website.

See also

  • Check 21 changes - a fundamental change is occurring in the world of checks, for both businesses and banks
  • remote capture with remote deposit - ChekDirect solves the problem simply
  • remote capture without remote deposit- TEKScan provides one-sided scanning for simple microfilm or photocopying replacement
  • back office conversion - TEKScanRC helps you collect the information needed to package information for ACH clearing
  • ACH - ACHLink connects your check scanner with the ACH network
  • check scanner choices - single feed or batch scanning, one- or two-sided scanning. Digital Check. Canon. Magtek.
  • check imaging solutions - the ChekScan suite of products offers a variety of check imaging software, from stand-alone to networked to enterprise
  • software/feature checklist - which ChekScan software product best meets your needs? our checklist can help you decide
  • ChekScan testimonial - Digital Check thinks highly of our products; see why

Contact us for more information.

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