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Home >> Checks/Money Orders >> Checks You Wrote
Check Converted to ACH Debit; Proof of Payment?
This is the notice I recieved: "by sending your PSNL check to ** bank, you are authorizing conversion of it to a one-time ACH debit from your account. If converted, the amount of the check will be debited with no additional charges. Your paper check will be destroyed and as a result, your check will not be returned with your financial statements." Is this legal?
I will have no written proof that I paid my mortgage. I also have a specific checking account to receive all of my cashed checks back.
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 Yes, it is legal. You do have the option (although the billing party isn't required to tell you) of directing that your check not be converted. However, more and more payments are being converted either to ACH debits or images that are exchanged electronically. The ACH payment should include an abbreviation of the payee bank's name, your check number, the date the electronic payment was charged to your account, and the dollar amount, all printed on your bank statement; thus, your statement includes primary evidence of your payment.
Published on BankingQuestions.com 7/30/09
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