Upon checkout, the customer will write a check using their current checks from their bank. No special check is needed.

The cashier receives the check from the customer, then runs it through the reader terminal. Codes at the bottom of the check are then verified electronically.

The check's codes are sent through the e-chex computer, where they are compared with a database of checkwriters, just like regular paper checks.

Check approval is sent back to the terminal and an authorization slip is printed on terminal printer.

Customer is given authorization slip to sign. Signature is required to allow e-chex to collect funds from customer's bank account.

Customer receives a copy of a signed authorization slip and their check is given back, now stamped "void".

Transaction information is sent to e-chex compuaters at the end of the business day.

E-chex informs customer's and merchant's banks of the transaction. Funds are electronically transferred, usually within 48 hours.

The transaction appears on the customer't bank statement.