ECP – Electronic Check Processing Online Casinos

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A wide variety of payment methods is offered to players across online casinos, to facilitate the way they make their deposits and withdrawals, and among them, you’ll see ECP – Electronic Check Processing offered at most sites, more specifically US-facing casinos. This is, as its name implies, a system that processes eChecks, offered in the US, allowing for prompt and efficient transaction completion. Electronic checks have been offered across the online gambling industry since day one, but are nowadays considered slow and outdated for many players; that's where this solution kicks in and speeds up the process, so stay with us to learn more about it and realize why it is an excellent option for you to use for your deposits and withdrawals. What is ECP – Electronic Check Processing and why decide to use it at an online casino?

About ECP – Electronic Check Processing

Electronic checks, as the name suggests, are electronic versions of paper checks. Paper checks are, as you probably already know, the first alternatives to cash that appeared ages ago, and were quite popular in the past, marking the beginning of the modern banking era. With the appearance of the internet, these pieces of paper went online, in the form of electronic checks. That’s why, as you will see, they function in pretty much the same way as paper checks, but are processed digitally.

All banks in the world have the capacity to offer their customers the chance to use eChecks, but in the US, there’s this ECP – Electronic Check Processing system which facilitates the way electronic checks are processed and speeds the whole process up, powered by the US Bureau of the Fiscal Service. While in general, eChecks are processed in 2 to 3 days at the least, since they are processed by third-party financial services like Authorize.net first, made compact and neat for the ACH (Automated Clearing House) to take over, this system converts paper checks into Check 21 or ACH items via a mobile app or a lockbox network. Meaning with it, one step of the procedure is skipped, as the solution acts as an image and data repository, used by federal government agencies and their respective financial agents to research and view transactions.

As such, this solution is the preferred method for many online casino players in the US, as it significantly improves their online gambling transactions and speeds them up. That’s one of the reasons why you will find it listed across many casino sites catering to US players. We’ll get into that more in a bit, but next, stay with us to learn the steps you’d need to take to start using it in the next section.

Getting Started with It

The best thing about this solution is that you have to do nothing but have your paper check ready. Seriously, it is that easy to use, and you won’t need to go through lengthy procedures to make a deposit with it. You won’t have to create any new accounts to use it, but you have to meet two conditions to start using it.

The first condition is, of course, to be a US citizen, while the second is to have a bank account. Assuming you're good to go, the first step you need to make is to visit your bank and get your paper check. From here, you just capture a photo of it via a mobile app, called Mobile Check Capture, or send it via USPS Mail. And that would be it on your part; you can sit back and relax knowing that it would be handled in the safest way.

From there, in the first case, the check will go to the Mobile Application Administration Server (MA A S) and then to ECP. In the second case, it goes to the Lockbox Financial Agent, and then to ECP. Once the check reaches ECP. In both cases, the payment/remittance data and images are sent to ECP, which stores them and generates reports. These are then sent to Debit Gateway (Bank of First Deposit) and forwarded to CIR (Collections Information Repository) for returns and settlement.

The former processes payments for settlement via ACH or Check 21 and sends return/settlement data back to ECP, while the latter makes sure the ECP Return and Settlement Data are available in voucher and financial transaction reporting.

The web-based application is available 24 hours per day, every single day of the week. That's why the conversion of paper checks into Check 21 or ACH transactions is facilitated and made faster. And that's how all parties involved ensure the money is taken care of in the most careful and safest way since ECP resides on the Treasury Web Application Infrastructure, a highly secure environment.

Now that you know how your check is processed with ECP’s aid, and you know how easy it is for you to use, let’s check its availability across online casinos next, and see the steps you need to take to start using it for your deposits and withdrawals.

How to Deposit at Online Casinos with ECP – Electronic Check Processing?

eChecks are offered across most, if not all, online casinos catering to US players, so in many of them, so is ECP – Electronic Check Processing, to facilitate and speed up the transaction process. Therefore, the first step you need to make here is to find a few suitable sites that both accept US players and the solution, and then check them out thoroughly, to see the games they are offering and the bonuses and promotions you could use to boost your online gambling time.

Once you go through the choosing process and you decide on the site to join, proceed by registering an account with it. You will need to share some basic personal info to do so, but once your registered player account is ready, you can start your online gambling journey. To make a deposit with ECP – Electronic Check Processing, go through these steps:

1. Access your registered player account and look for the Payment Methods/Cashier page.
2. On it, look for a section that reads Deposit Methods and press ECP – Electronic Check Processing’s logo.
3. A pop-up will appear where you need to attach a photo of your paper check or replicate the details from the check in the empty fields.
4. The background process will be put in motion as soon as you confirm your request.
5. Wait for a few minutes to a couple of hours for the transaction to reach your casino balance.

How to Withdraw Winnings with It?

Considering the solution functions 24 hours a day, 7 days a week, transactions are processed much faster compared to the standard eChecks transactions that take 2 to 3 days to be completed. That’s the main reason why US players love using the solution for both deposits and withdrawals.

The withdrawing procedure is a tad different because the casino will be the one sending the check this time. So, all you have to do is select ECP – Electronic Check Processing as your Withdrawal Method on the Payment Methods/Cashier page and then enter your bank account number and routing number in the designated fields in the pop-up, as well as the amount in the currency you'd like to cash out. The casino will need to approve and prepare the check, within 24 to 48 hours, and as soon as that's done, the check will be processed and delivered to you to cash it out. 

Fees and Limits

Checks, by default, paper or electronic, come with fees. These fees would depend on the banks involved, but usually, eChecks come with a 0.75% fee. You should also check whether your casino will charge an extra fee, especially for withdrawals with it.

As far as limits go, do not expect any on your bank’s part, but do expect on the casino’s part. Operators are obliged to limit the transactions for deposits and withdrawals for each method they offer, including eChecks.

Allowed Countries

While eChecks in general are global, offered all over the world, ECP – Electronic Check Processing is offered in the US only.

It is a US system for processing checks, so you must be a US citizen with an active bank account to use it. You would need to look for an alternative solution in case you’re a player from any other country.

Accepted Currencies

The US dollar will be the default currency when using ECP – Electronic Check Processing. Your bank account is in your native currency, so the US dollar will be used for the check transaction.

You may check with your bank to see whether you have any other options, but since you can only use the solution if you’re a US player, and assuming you play at a US-facing casino, the US dollar would work great for you, as it will also be supported on the casino site you chose, and that way you won’t pay any conversion fees.

Helpful links:

• Electronic Check Processing page