Cheque delivery and settlement

Cheque payments follow typical timelines for delivery, settlement, clearing, and expiry.

Delivery

• eChecks are delivered within 3 hours of issue
• Postal cheques are printed and mailed within 2 business days of creation
  • Delivery typically takes up to 10 days from the date of issue

    💡

    For faster delivery, use an electronic payment method such as a bank transfer or eCheck.

  • Cheques are sent using standard first-class mailing
  • Tracking is not provided by default

    💡

    If you require tracked or expedited delivery, contact Support.

Settlement and clearing

Recipients can deposit printed eChecks and postal cheques:

• At a bank branch
• Using an ATM
• Via mobile phone deposit
• Using a cheque scanner

After deposit:

• Funds are typically available within 1–2 business days
• Banks often make the first $225 available immediately (US regulation)
• Remaining funds are subject to bank clearing processes

Settlement and clearing times may vary, depending on:

• Cheque amount
• Recipient’s bank
• Account history
• Deposit method

Expiry and validity

• eCheck access links expire after 90 days
• Postal cheques are typically valid for 6 months (US standard)
  After this period, the cheque becomes stale-dated, meaning banks may require additional checks or refuse to process it.

💡

After a defined period, US state regulations may allow escheatment, meaning authorities can claim funds from uncashed cheques.