---
title: Checks
slug: concepts/payments/checks
description: Cross River supports check deposits and withdrawals via MDC. Deposits are outbound forward items; withdrawals are inbound forward items cleared through the Fed.
docTags: 
createdAt: 2024-08-08T12:13:28.144Z
---

:::CtaButton{label="Checks APIs" docId="ERUfX-HaUeS7MVMzJYBxq" openInNewTab="true"}

:::

## Cross River checks solution

Cross River delivers both check writing (withdrawals) and check deposits using MDC. Cross River works with lockbox service providers to process paper check deposits.

## What we offer

In Cross River, checks have two different flows:

- **Deposit.** In the deposit flow, you deposit a check into your Cross River account. In Cross River this is referred to as an *outbound forward* item because the check needs to be sent (*out*) to the Federal Reserve and presented to the drawee bank (paying bank) for payment.
- **Withdrawal. **In the withdrawal flow, you write a check on your Cross River account to pay someone. In Cross River this is referred to as an *inbound forward* item because the Federal Reserve sends the check (*in*) to Cross River for payment and attempts to clear the check on your account. Your check *clears* when the transfer of funds succeeds.

## Find out more

- [Transaction roles](docId\:Ebo4pk8YLDLKSJwF-yBt_): Basic roles describing the participants in a check transaction.
- [Availability policies](docId\:faraLY1DsZL5AneLOq_4u): Defines how quickly funds can be made available to the payee.
- [Positive pay](docId\:qMy-Hnem-DnbIioD8z2jS): Cross River's Positive Pay feature lets you or your customer make sure that only legitimate checks get deposited in their accounts.
- [Stop payments](docId\:c2Cc1QVzv8hDSIDR59nPt): If the payer has passed a check that the payer FI has not yet processed, they can put a stop payment on the check.

## Tutorials

See our API tutorial to learn how to:

[Deposit a check](docId\:NCdnIvTYdix4xtbfn8jY6)