Frequently Asked Questions

eCheck.io is a bank account verification platform that lets businesses instantly check the status of any U.S. bank account — whether it's active, inactive, dormant, has NSF history, or is closed. We connect to the LyonsReg AOA database to deliver real-time results.

eCheck.io is built for businesses of all sizes — from small companies accepting checks to enterprises and fintechs needing high-volume account verification. Common users include payment processors, lending platforms, property management firms, and accounting teams.

Most customers are live within a few hours. Our onboarding process is straightforward — submit your application, complete verification, and once approved you'll have access to the virtual terminal and API right away.

You need the bank's ABA routing number and the account number. Our system will look up the bank name automatically from the routing number and return the account's current status.

We return a tri-color status system: Green means the account is active and in good standing. Red indicates negative history such as NSF (non-sufficient funds). Black means no data available or the account is closed.

Yes. Every account includes access to a sandbox environment with mock data for all account statuses, so you can test your integration before going live.

Absolutely. Our virtual terminal provides a web-based interface where you can manually enter routing and account numbers to run verifications — no coding required.

Yes. All data is encrypted in transit (TLS) and at rest. We follow SOC 2 compliance standards and maintain strict access controls. Bank account numbers are never stored in plaintext.

eCheck.io adheres to AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations. All new accounts go through a verification process including document review and identity confirmation before gaining access to the platform.

We offer a free sandbox for testing. Contact our sales team for pricing details and volume-based discounts tailored to your needs.

All plans include email support with a response time of less than 4 hours during business days. Enterprise plans include 24/7 phone support and a dedicated account manager.

You can reach us via our contact page, by emailing support@echeck.io, or by calling during business hours (Mon-Fri, 9am-6pm EST).