FAQ
Checks
checks – frequently asked questions this section covers common questions about check writing and check deposit capabilities available through cross river’s platform product overview what check related services does cross river provide? cross river supports both check writing (withdrawals) and check deposits via mdc, allowing partners to enable check processing for their account or program how do check deposits work? for deposit processing, you submit front and back images of the check along with metadata via the /checks/v1/payments endpoint the system processes the deposit and posts it to the account check writing and withdrawals can i allow users to write checks against their account? yes if check writing is enabled on the account product, users can issue checks the program must configure the product to support check issuance are paper check processing or lockbox services supported? yes cross river operates with lockbox service providers to handle paper check processing when necessary check deposits what formats are supported for check image deposit? the platform supports image capture (front and back) in required formats via the api you post the images and check metadata to initiate the deposit how are returned or rejected deposits handled? if a check image fails validation, or there is a non sufficient funds or stop payment scenario, the deposit is rejected and a reason is provided in the response program / compliance considerations are check features available for every account type? not necessarily the account product configuration must enable check writing or image deposit support you should verify product settings before enabling check functionality what should i consider when enabling checks for my program? you’ll need to evaluate fraud controls (image review, deposit thresholds) funds availability schedules return and exception handling customer disclosures and regulatory compliance