Verify every check and ACH payment before it hits your bank.
Check EFI is check verification software for businesses that accept checks and ACH. It reads the check with AI, validates the routing and account number against the live bank directory, screens for fraud and OFAC hits, and returns an approve-or-decline decision in about ten seconds — so you accept good money and stop the bad.
No credit card required. Built for check cashing stores, ACH-accepting businesses, and payment processors.
One check verification platform for anyone who accepts checks & ACH
Watch a check go from photo to decision.
Upload, AI reading, bank and fraud checks, and a clear approve-or-decline verdict — the whole flow, uncut. Open the demo page →
Watch the 2-minute demo →
Stop check fraud and ACH returns at the source.
Every bounced check and returned ACH debit costs you the face value, the bank fee, and the hours spent chasing it. Check EFI catches the problem before the money ever moves.
Catch counterfeit and altered checks
AI reads the check image and flags washed fields, mismatched fonts, missing security features, and a routing number that doesn't belong to the bank printed on the check.
Lower your ACH return rate
Validate account and routing data and screen the payer against OFAC before you build the ACH file — fewer R03/R04 returns, fewer fees, and a return rate that stays under Nacha's thresholds.
Say yes to good customers faster
An automated decision in about ten seconds keeps your counter moving. Escalate borderline items to optional expert human review instead of turning honest customers away.
Average time to verify a check end-to-end
Of payments screened against OFAC sanctions
Fraud, routing, address & identity checks run in parallel
Three steps. No manual data entry.
Check EFI replaces the phone call to the bank, the squint at the MICR line, and the gut feeling.
Capture the check
Snap the front and back with a phone or webcam, upload an image, or send it through the API. Add an ID and selfie if you want identity assurance.
Check EFI verifies it
OCR extracts every field, the routing number is validated against the FedACH directory, and fraud, OFAC, address and identity checks run at the same time.
Act on one clear decision
Approved, Review, or Not Recommended — with a fraud score and every finding behind it, saved to a searchable history and exportable as a PDF.
Purpose-built for how you take payments.
If you accept checks or ACH, Check EFI protects the money before it reaches your bank.
Check Cashing Stores
Verify a customer's check at the counter in seconds. Confirm the routing number is real, screen for fraud, and match ID to the check before you hand over cash. How to verify a check →
ACH Payment Businesses
Vet every ACH debit before you submit the file. Catch bad account numbers, OFAC hits, and high-risk payers to slash return rates. Reduce ACH returns →
Payment Processors
Offer verification as a service to your merchants with a high-volume virtual terminal, bulk processing, and a developer API. See processor features →
Guides on check fraud and ACH returns.
12 check fraud red flags every teller and cashier should know
The physical, printed and behavioral signs that a check is counterfeit, altered or stolen — and how to confirm each one in seconds.
Read the guide → ACH returnsACH return codes explained: R01, R02, R03, R04, R10 and R29
What each return code means, how long the bank has to send it back, and which ones you can prevent before the file goes out.
Read the guide → Check cashingHow to verify a check before you cash or deposit it
A step-by-step process for validating the routing number, the bank, the account and the person in front of you.
Read the guide →“Fraudsters look for the easiest way in. With Check EFI screening every check and ACH payment before it reaches the bank, they hit a wall.”— Built for risk & operations teams that can't afford surprises
Ready to stop bad payments before they cost you?
Start with three free verifications, or book a walkthrough with our team.
Get started free Talk to sales Download brochure (PDF)