How to Send an Electronic Check From a Bank

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Sending an electronic check is an innovation in financial transactions. Using electronic checks as a means of money transfer should process your transactions easily and safely, usually employing security features like user authentication and digital signatures. To send an electronic check, the primary requirement is a bank account with sufficient funds to cover the amount of the check.

Important things to remember in sending an electronic check

Step 1

Check your account balance to make certain you have sufficient funds, taking into account any checks outstanding that might clear your account before you process the transaction. Electronic checks function the same way as paper checks except the banking institution digitally processes and transfers funds from one bank to another. As with regular checks, fees will apply if the check is sent without enough money in the account to cover the amount.

Step 2

Have your bank account and routing transit numbers ready when you initiate the transfer. The routing transit number (RTN) is the 9-digit number that appears on the left at the bottom of the check. To the immediate right of the routing number is the individual account number. The RTN identifies your bank within the network of financial institutions around the world.

Step 3

If you process an electronic check at your bank, a bank representative will take care of entering all the information after verifying your identity, probably requesting a driver's license or other form of identification and possibly requesting your signature. The signature can be compared to your signature card signed when the account was opened. If the check is initiated online, be sure the information is processed through a secure server for your bank or the site of a reliable merchant. Many online sites like PayPal will keep your bank information on file for electronic transfers, just as they do credit card information.

Step 4

For secure online transactions, be sure to enter your RTN and bank account numbers correctly and in the proper fields, as well as checking that all required fields contain the proper information.

Step 5

After making the transfer, call your bank immediately if you notice any suspicious activity in your account that might be related to the transaction.


Since an electronic check works like a paper check, remember to mark up the transaction in your checkbook. Some banks will charge a fee for a transfer originated by the bank, so also remember to deduct the fee along with the transaction amount when marking up the deduction.

Things You'll Need

  • Bank account

  • Bank account number

  • Bank routing number