Checks
Mail and deposit physical checks
Send checks anywhere in the United States with one API call. Or deposit checks via API or the dashboard.
Mailed the same day
Checks are automatically sent the same day they’re initiated.
Transparent tracking
Receive webhooks at every step in the process.
Positive Pay
Deny any checks that haven’t been pre-allocated.
Lockboxes
Create unlimited virtual mailing addresses to receive checks.
Just-in-time funding
Write custom logic to transfer funds the moment a check is deposited.
Verify payee names
Get notified instantly if there’s a payee name mismatch.
Stopped payments
Make a stop-payment request up until the moment of deposit.
Bring your own printer
Customize with a third party, and fulfill with our APIs.
Transparency
Monitor the entire check lifecycle
Tracking checks can be a significant challenge due to their long life-cycle. This often leaves companies in the dark about their financial settlements.
Increase provides real-time updates on every major check event, offering unprecedented visibility and control. Know exactly when checks have been mailed, when they arrive, and the precise moment they‘re deposited.
Know exactly when a check is deposited
Cancel a check at any time until it’s deposited
Receive instant credits for returned checks
Check Transfer timeline
Programmable
Automate your check deposits with unique lockboxes
Create unlimited virtual mailing addresses to receive checks, which are automatically deposited into their designated accounts upon arrival. Stay informed with real-time notifications and easily accept or decline checks as needed. For added convenience, our system securely shreds processed checks, simplifying your operations.
Automatically reconcile inbound check payments
Eliminate manual check operations
Check lockbox flow
Flexible and reliable
Remote deposit capture made easy
Programmatically deposit physical checks without any additional integrations. Directly upload images, specify the amount, and Increase will handle validation and submission. Alternatively, you can upload a check anytime in the Dashboard.
Build a customized deposit experience
Check images are automatically processed
Works from mobile, web or anywhere
Deposit a check in the dashboard
await increase.checkDeposits.create({
  account_id: "account_in71c4amph0vgo2qllky",
  amount: 1000,
  currency: "USD",
  front_image_file_id: "file_hkv175ovmc2tb2v2zbrm",
  back_image_file_id: "file_26khfk98mzfz90a11oqx"
});
Bare-metal APIs
Every detail directly from Check21
Deposit information
deposit
Receive the deposit timestamp and check images from the recipient bank.
Auxiliary on us
auxiliary_on_us
Access additional metadata printed on a check, such as the business check number.
Serial number
serial_number
Verify the number for deposited checks.
Rejection reason
deposit_rejection
Receive legible and actionable notes on why a deposited check was rejected.
Check21 for developers
Send a check
Cancel a check
Deposit a check
await increase.checkTransfers.create({
  account_id: "account_in71c4amph0vgo2qllky",
  source_account_number_id: "account_number_v18nkfqm6afpsrvy82b2",
  fulfillment_method: "physical_check",
  physical_check: {
    recipient_name: "Ian Crease",
    memo: "Check payment",
    mailing_address: {
      name: "Ian Crease",
      line1: "33 Liberty Street",
      city: "New York",
      state: "NY",
      postal_code: "10045"
    },
  },
  amount: 1000
});
Check Transfers send funds from an Increase account to any US address by mailing a physical check.
Set the check memo and include a letter in the same envelope.
Checks are sent same-day.
Webhooks keep you up-to-date on mailing and deposits.
Banking for builders
Everything you need and nothing you don't
Direct connections to the networks for money movement. Bank accounts that open instantly. Unopinionated building blocks that don't force you into legacy patterns.
ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
Learn more
Bank Accounts
Flexible account constructs with unlimited account numbers.
Learn more
Cards
Issue custom cards to your customers. Approve authorizations in real-time and configure your own limits.
Learn more
Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
Learn more
Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.
Learn more
Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
Learn more
FedNow
The Federal Reserve’s newest payment method. Quickly move money 24/7/365 with any participating bank.
Coming soon
Read our documentation
Learn more
Increase is not a bank. Banking products and services are offered by Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. FDIC deposit insurance only covers the failure of the FDIC insured bank.