The specifications for Lob's check product are as follows:
- Measures 8.5 x 3.625" in size
- Printed on bank-grade chemical reactive paper (with watermarks, warning bands)
- Includes a three-dimensional graphic foil that is embedded into the check, along with fugitive ink, to provide additional protection against duplication of the document
- Includes a prismatic multicolored background with subtle graduations to make copying and reproducing difficult
- Produced with controlled stock, which ensures the security of the mail piece at every stage of production. The Padlock Icon printed on the checks ensures that the product meets or exceeds industry guidelines.
- Mailed in a Standard #10 white outer envelope (double-windowed)
Ensure your checks get to their final destination by following these guidelines:
fromfield is required for all checks, regardless of the destination
- USPS Standard Class Mail (or Marketing Mail) is not available for checks
- Overnight mailing options are not available for checks
Check with your bank to make sure that the check will be accepted. A new check template or different signatory can cause the bank to flag your account. The best way to avoid this happening is to let your bank know that the checks are valid.
Your money is not transferred to Lob. When the payee deposits the check that was sent through Lob's Checks API, it will pull money directly from the specified bank account into the recipient's bank account.
Lob will send two micro-deposits, ranging from 1 - 100 cents, to the specified bank account in order to verify the account. You'll be asked to enter them in the dashboard or submit them through the API before you can send out any checks.
This is especially important if you are sending checks on behalf of your customers. You must verify all your customers' bank accounts before sending checks from them. This is most easily done through the API.
Our security team continuously reviews newly-created accounts. New accounts that trigger a flag will be immediately suspended and required to provide additional verification.
One of the options for associating a custom signature to a bank account, so that it can be printed on checks, is uploading an image file during the initial bank account creation process. You can add a signature to the new bank account creation page in the Lob dashboard.
The uploaded signature will be printed on all Lob checks originating from that specific bank account. Make sure to download the digital signature and authorize its use with your bank once your bank account is created.
bank_account_idof the bank account that corresponds with the signature
- A PNG of the signature (the background of the image must be transparent)
Below are the guidelines to adhere to when prepping your image so that the signature can best be extracted and processed.
The image must be in either a JPEG or PNG format (.jpg, .jpeg, .png). The background of the image must be transparent.
The image must be at least 330px x 105px. The image may be larger but we recommend a width to height ratio of approximately 3:1 for best results.
The signature must be written in black or dark ink on a white or light background. The signature should be centered and should occupy most of the image.
Here are a few of the most common mistakes that we recommend you avoid when preparing a signature image.
DON'T: HAVE THE SIGNATURE BE TOO SMALL IN YOUR UPLOADED IMAGE
Make sure to center your signature and crop your image as needed so that the signature takes up a majority of the space.
DON'T: WRITE YOUR SIGNATURE ON RULED OR PATTERNED PAPER
Write your signature on a white or light-colored background to ensure proper signature processing. Using ruled or patterned paper will likely result in unintended artifacts.
DON'T: INCLUDE OTHER OBJECTS OR ARTIFACTS IN YOUR IMAGE OTHER THAN THE SIGNATURE
If you are taking a photo of your signature rather than using a scanned image, make sure to prepare your photo so that all artifacts and non-signature objects (e.g. tables, pens, dark shadows) are cropped out.
It is possible to send a letter as an attachment with your check (but not the other way around). These check pages do not require any artwork in order to be sendable; however, it is a great opportunity to leverage the blank space at the bottom of the check to add any branded artwork or personalization.
If you choose to customize this optional section, be sure to follow the provided template and leave room for the actual check itself; otherwise you risk invalidating the check. You may also add up to 3 sheets (6 double-sided pages) of optional attachment pages.