Cross River's account APIs provide you with the tools you need to create a variety of bank accounts.

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Check writing and check deposits are features of the Cross River Account product. Together, these features allow customers to move money using a physical instrument known as a check.

A check is a document used as a payment order between two parties: a payor (drawer) and a payee. The payor is the party writing the check and the payee is the party to whom the check is payable.

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Cross River gives you the ability to create subledgers instantly and on demand. A subledger can be linked to any existing deposit account, also known as the master account. Subledgers (sub-accounts) let you keep track of daily transactions in your account and to ensure that funds exist where expected and allow for easy end-of-day reconciliation They are used to receive funds from and send funds to customers without having to expose your master account number.

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