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275082866

Image Cash Letter
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Enhance Your Credit Union’s Check Processing with Image Cash Letter Services

Leverage the power of our strategic partnership with the world’s largest image exchange network to protect your credit union against fraud, improve operational efficiency, and reduce overall costs. We understand the volume of checks your credit union processes daily—from paper checks deposited at the counter or ATMs to digital images captured through remote deposit capture (RDC).

Our Image Cash Letter (ICL) service streamlines the process by consolidating these transactions into a seamless, electronic image deposit file, providing your credit union with a smarter, safer, and more efficient solution for check transmission.
Photo of a person using their phone to take a photo of their check.

Benefits

  • Save Time and Money: Eliminate the hassle and expense of transporting paper checks.
  • 24/7 Convenience: Submit ICL files anytime—day or night, 365 days a year.
  • Enhanced Fraud Prevention: Accelerate return item notifications to reduce exposure to fraud.
  • Educational Resources: Access ECCHO training and National Check Professional certifications to keep your team informed and skilled.
  • Expert Support: Our Member Services team is here to guide you with training, operational advice, and compliance support.

Partner with us to simplify check processing and strengthen your credit union’s operational excellence.

About ECCHO

Founded in 1990, ECCHO (Electronic Check Clearing House Organization) is a collaborative initiative that advances the electronic check payment system. The ECCHO Rules establish fair and standardized guidelines for image exchange, used by thousands of financial institutions across various sectors, including credit unions, commercial banks, savings banks, and banker’s banks.

ECCHO played a pivotal role in the development and implementation of Check 21 and continues to advocate for a favorable legal and regulatory environment for checks. As an active participant in the payments industry, ECCHO collaborates with the Federal Reserve, ASC X9 standards committees, and other industry groups. It also offers educational resources and manages the National Check Payments Certification (NCPC) program.

Since becoming a business line of The Clearing House in 2018, ECCHO remains committed to enhancing the efficiency and effectiveness of the check payment system through strategic initiatives.


Benefits of ECCHO Membership

Expert Support:
Access ECCHO as your go-to resource for check-related inquiries:

  • “411” for general information.
  • “911” for guidance in complex situations.

Note: ECCHO's assistance is informational and not a substitute for legal advice.

Comprehensive Education:
Gain insights from live and recorded sessions led by industry experts on topics such as:

  • Check fundamentals
  • Fraud prevention and exceptions management
  • Warranty breaches and direct dealing
  • Remote Deposit Capture risks, and more 

Advocacy for the Check Industry:
ECCHO champions check-related legal and regulatory issues, fosters industry collaboration, and works with key organizations to promote a robust and efficient check payment system.

ECCHO Rules:
Designed by members, the ECCHO Rules create a standardized framework for electronic check exchange. These rules include:

  • Clear guidelines that simplify bilateral agreements.
  • Commentary to explain rule intent and applications with practical examples.

By following ECCHO Rules, members streamline their processes and adapt to ongoing changes in the check payment landscape.

Membership in ECCHO equips financial institutions with the tools, knowledge, and support they need to succeed in today’s evolving payments environment.

ECCHO Resources

ECCHO Education Library
ECCHO Returns and Adjustments Resource
ECCHO Homepage
ECCHO Education Subscriber Fact Sheet
ECCHO FAQs

Become an ECCHO Member

Access ECCHO as your go-to resource for check-related inquiries.

Membership Options

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