Automated Check Deposit & Lockbox with Checkstream

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.


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

Mail on Your Computer

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

Electronic Endorsement

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

Deposit Notifications on a Mobile Phone

Your prepared deposit is mailed overnight to your bank*.

Join Thousands of Businesses on Earth Class Mail

Automation plans starting from $39/mo.

We’ve reworked the lockbox from the inside out.

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.

“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

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
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

Powered By Earth Class Mail Automation

The powerful mail automation platform we’ve spent years developing really shines for processing payments.

Works for All Your Mail

No need for a separate mailing address — all of your mail and checks can be automated by Earth Class Mail. Empower employees to access critical office mail worldwide from any device.

Fully Searchable Archives

Keep permanent digital backups in the Earth Class Mail cloud, there’s no storage limit. Search, sort, and filter as easily as email.

Advanced Integrations

No other platform provides advanced notifications and allows automated connections to cloud services like, Google Drive, Box, Dropbox, QuickBooks Online, and Xero.

* Overnight shipment to select banks only, including: JP Morgan Chase, Bank of America, and Wells Fargo. For additional details call: (210) 802-5211, or email: [email protected].

Companies large and small are automating their business mail everyday.

  • Earth Class Mail Easily Integrates With Zapier
  • Titan Growth
  • Lyft
  • Medstar Transportation
  • Expensify