Automated Check Deposit Service

Save time, get paid faster, and deposit on your schedule.

The worst part about accepting checks is the wait and effort before they become actual funds in your account. Checkstream automates your receivables process, dramatically improves cash flow, and makes recording transactions to your accounting software a breeze. See how Checkstream compares.

Let us help you get paid faster!

Contact us today

Illustration of envelopes containing checks ready for deposit.

Your checks arrive at an Earth Class Mail address for scanning and processing.

Illustration of laptop open to screen for reviewing checks ready for deposit.

You review your scanned checks online, then tell us what and where to deposit.

Illustration of electronic check endorsement.

We electronically endorse your checks, then complete and reconcile the deposit slip.

Illustration of a check deposit received notification.

Your prepared deposit is mailed overnight to your bank*.


Save time and get paid faster by automating your check deposits.

Dramatically easier to setup

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No credit check required
Whether you’re at day 1 or year 10, Checkstream is for you.

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No deposit limits
Deposit any amount, as often as you need. No per-check limits.

No vendor lock-in
Deposit to multiple banks and multiple accounts, switch anytime.

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No equipment needed
All the processing happens in our secure, 24/7 video monitored facilities.

Dramatically easier to use

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Saves you time
Checkstream eliminates the hassle of endorsing checks and reconciling deposit slips.

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All-in-one platform
No need to log into your bank or a separate portal for deposits.

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Complete content scans
Everything in the envelope is scanned and archived as a PDF with full-text search.

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QuickBooks Online & Xero integration
Easily record transactions, with PDF attachments, directly to your accounting system.

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Manage Your Check Deposits with Our API

Use our public API to connect to your Earth Class Mail account. Retrieve deposit amounts, check numbers, and even control when and where your checks get deposited.

Screenshot of code snippet used for implementing our check deposit API.

“It Saves Us Hours Every Month”

Checkstream makes depositing checks easy, secure, and fast. We used to let checks pile up, then walk them to our bank. We kept a spreadsheet of each check so we could reconcile each payment in QuickBooks Online. Now Checkstream does all of that for us. It saves us hours every month and gets money in our account faster.

Nick Kocinski

Nick Kocinski
CFO

Nick Kocinski uses our office mail automation platform to automate YCharts’ check deposits so he can focus on running his business.

Check out how Checkstream stacks up against a few popular deposit options.

CheckstreamBank LockboxRemote Deposit Capture
ContractNoYesYes
Setup feesNoYesYes
Cancellation feesNoYesYes
Credit checkNoYesYes
Minimum balance requiredNoYesNo
Bank lockNoYesYes
Hardware (scanner)NoNoYes
Software (locally installed)NoNoYes
Maintenance (hardware)NoNoYes
Content scansIncludedExtra feeNo
Content OCRYesVariesNo
Developer APIYesNoNo
Digital copy storageFree, unlimitedPaid, limitedChecks only, limited
Deposit limitsNoNoVaries (daily, weekly)
Check EndorsementAutomaticAutomaticDepends on hardware
Check ImagesYesYesYes
Physical copy storageYes, long term availableYes, long term availableNo
Cloud drive integrationDropbox, Box, GdriveVariesNo
Accounting integrationQuickBooks Online, Xero, Bill.comVariesVaries