Accept checks by phone.

Deposit them without giving anyone access to your account.

Remote check deposit for people who aren't on your bank account. Your team, your customers, or your back office photographs a check — authorized in seconds, deposited electronically into your account. No bank login, no scanner, no envelope.

Get started →

Choose your path

Two ways to use it

In person

Let your team use remote deposit without giving up account access.

Your crew, your drivers, your front desk take the check where the work happens. No bank login handed out. No check riding around in a truck until Friday.

Checkdepo capture form: take a photo of the check and enter the amount, for in-person deposits.

How in person works →

By invoice

Get paid on open invoices without the mail — or the wait.

Send a link and your customer photographs their own check. Or photograph the ones that still arrive at your office and apply them to the invoice. Either way — no envelope, no card fee, no follow-up call.

Checkdepo customer pay page for invoice 3353: $277.48 payable to Northside Services, with a button to photograph the check.

How invoicing works →

The difference

Simple. Secure. Fast. It's a check.

Simple

If they can take a picture, they can take a check. No app, no setup, no training.

Secure

No login, no credentials, no access. The deposit destination is locked at setup — the person capturing never sees it and can't change it. Taking a check is the whole surface.

Fast

The check stops traveling. Captured where it's handed over, not days later at the office, with a decision back in seconds.

It's a check

We move the instrument, not a bank debit. Your customer writes a check and keeps the paper. Nobody hands over an account number in either direction — not yours, not theirs.

Pricing

What it costs

Three levels. Every one of them costs a fraction of accepting a credit card.

The average check written in America is $2,653. On a card that costs about $77. On Checkdepo it costs $10.

On a $200 invoice, a card costs about $6.10. On Checkdepo it costs $1.

Average check size: Federal Reserve Payments Study, 2024 data.

Authorize

Know it's good

Know the check is good before it's taken.

Read & verify the check
Instant take-it-or-don't decision
Fewer bad checks and write-offs

25¢ per transaction

Authorize + Deposit

Skip the bank

It deposits electronically into your account.

Everything in Authorize
Deposits electronically into your account
Customer keeps the paper

0.5% per transaction, capped at $10

Guaranteed

Fully covered

Approved checks are covered. If one comes back, we take the loss, not you.

Everything in Authorize + Deposit
Approved checks are guaranteed
Recovery handled either way

1.5% per transaction

We don't just report returns. We pursue them — redeposit or recovery, on every tier.

No monthly fee, no minimum, nothing to buy. You pay when you take a payment. Pricing reduces with volume.