What is Check22?
In 2003, the U.S. Congress enacted a federal law called "Check 21" that allows the recipient of a paper check to create a digital version of the original check. This digital electronic format is called a "substitute check". Check22 is the next step. We've changed the process from a "Debit" (grab) transaction to a "Push" transaction where the payer decides when and how much they wish to pay.

You Can Send a Check22 Payment:
You can send your own Check22 payments in just moments - drawn against your own checking account - to anyone you want, whenever you want. Just go here, activate your GenieChecking account and create your own Check22. Provide a few details about your checking account, and we will prepare your Check22 as an electronic "substitute check". Email it, or print and mail it - however you want. When your payee deposits your Check22, it will be charged to your regular checking account at the bank you provided, just like any other check you write!

Check22 can be:

  1. Emailed directly to any recipient, who can then deposit it into their bank account
  2. Deposited electronically using most PC or Smartphone banking apps
  3. Printed on most printers (color printers are best) and deposited as a traditional check
  4. Printed and mailed as a payment
The Check22 Information Line - Just call 800-365-7700, anytime - 24x7x365:
  • Verify Check22
  • Learn more about Check22
Check22 capabilities are included in the Genie Gateway and is currently being introduced to merchants at a disruptive price point of $19.95 per month, with a $1 trial period for the first month.

Activate a Genie of your choice in three (3) minutes

GenieChecking GenieCard
Merchant Agent

Why Check22?

With Check22 - “The Check is in the Mail” now replaced by – “The Check is in the Email”

Merchants without checking accounts can now accept checks as payment for goods and services, in their store, online, on the phone, or by FAX!

Watch the Video below to learn about the Check22 - The Private, Convenient and Secure electronic "substitute check".