Frequently Asked Questions

Checkless facilitates a payment transfer between the two bank accounts in a transaction. We never hold your money in a middle account, and never share your banking information with other parties. Payments received through Checkless deposit directly into your bank account.

We use bank grade encryption to keep your information safe. We never have access to your bank credentials and our payment processor maintains compliance with the SOC 2 framework, which provides an independent, third-party assurance that we are taking the appropriate steps to protect our systems and our data. Using tokenization, sensitive information is only available using a temporary and constantly changing key (or token).

The creator of the payment assumes the fee. On a requested payment, the party receiving the request can choose to pay the fee.

The Automated Clearing House (ACH) serves as the center of commerce in the United States by transferring money and information directly from one bank account to another. Essentially, ACH facilitates bank-to-bank transfers—the kinds of transactions that don’t go through credit or debit card networks. Only banks can initiate ACH transactions, which means users must link their bank account to Checkless in order to set a payment in motion.

Verified accounts can send up to $10,000 per transaction with no weekly maximum. Unverified accounts can send up to $5,000 per week. Interested in seeing an increase in the sending limit per transaction? Contact us.

ACH bank-to-bank direct transfers happen between two bank accounts (just like a check). Connecting a bank account to Checkless is simple with the help of Plaid, who makes bank authorizations easy by letting you log directly into your bank to link an account.

On average it takes about 3 days for the money to be deposited in the receiver’s bank account after the payment is sent. You’ll get updates all along the way. This is standard ACH processing through the Federal Reserve.

No. Checkless is not a bank or a bank account.

Checkless connects to your bank account at your bank. You can link up to two of your bank accounts in your Checkless profile.

By charging a $3 flat fee per transaction. Cheaper than checks and card fees. It’s just $3 every time. No subscription. No setup fees. We do not hold your money in a balance like other payment apps.

To create a payment or request on Checkless, you’ll need to verify your account. For the government to prevent financial crime, existing U.S. customer due diligence rules strengthen customer requirements.

Because of that, Checkless must verify the identity of owners and controllers for at least one party in each transaction.

Entities can be abused to disguise involvement in terrorist financing, money laundering, tax evasion, corruption, fraud, and other financial crimes.

By requiring the disclosure of key individuals, Checkless is a safe place to transfer money.

What can unverified accounts do?

Unverified accounts can participate in payments with verified accounts. The verified account can send a payment or a request to the unverified account. Unverified accounts have a $5,000 weekly sending limit.


Go Checkless and upgrade your payment process today.

Cut checks out of your life and avoid percentage-based credit card fees. Checkless takes the stress out of payments by providing digital and direct ACH bank payments.

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