* * * IMPORTANT NOTICE REGARDING ACH CHECK CONVERSION * * *
In an effort to reduce time, resources and costs required to process payments, checks received by the Ada County Treasurer's Office may be converted to ACH debits. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back from your financial institution. For further information visit www.electronicpayments.org.
Frequently Asked Questions Regarding ACH Check Conversion
Q - What happens when my check is converted to an electronic transaction?
The bank uses the information on the check and “converts” the check to an electronic transaction based on that information. Electronic transactions are more efficiently processed than paper checks, and that helps keep costs lower.
Q - Why isn’t the check listed on my bank statement?
Since your payment is processed as an electronic transaction, it may be listed in the section of your bank statement with other electronic debits. The description of the electronic debit includes information to help you easily identify your payment. Bank statements typically include only the serial number, paid date and amount for checks. Since converted items are electronic debits, you may be able to see the payee and a transaction description in your statement.
Q - May I get my original check back?
No. For your protection the original check is destroyed to ensure that the original check is presented for payment only once, through an ACH debit.
Q - Does this mean you debit my account each month, and I don’t have to write a check to pay my bill?
No. This is not a recurring debit program. The bank needs your check to initiate each payment. You still control the timing of a payment by paying with a check.
Q - What authority allows the bank to convert my check?
Pursuant to regulatory rules (NACHA and Regulation E), Ada County notified you of our intention to clear your check electronically by posting a notice at the point of sale and providing you with a copy of the notice. If you prefer not to have your check converted, you can opt out by calling 208-287-6800.
Q - May I place a stop payment on a converted check?
Yes. As with any stop payment, however, you should place the stop order with your financial institution as soon as possible after issuance as checks may clear quickly.