Checks backed by modern banking infrastructure
Issue, deposit, and process checks through Lead's direct connection to the Federal Reserve using industry-standard X9 file exchange. From issuing checks to remote deposits and returns, manage the entire lifecycle through a single integration.
Multi-directional integration
Issue checks and process deposits via X9 files, supporting both incoming and outgoing activity.
Faster funding
Deposited funds become available under your program's funds-availability policy faster than traditional multi-day holds, with risk controls applied where warranted.
Remote deposit
Enable customers to deposit checks directly within your product. Lead receives the X9 file, submits it for clearing, and credits the appropriate account.
Returns management
Process standard returns through the same X9 connection or work directly with Lead's operations team to manage late returns and other exceptions.
Multi-directional integration
Issue checks and process deposits via X9 files, supporting both incoming and outgoing activity.
Faster funding
Deposited funds become available under your program's funds-availability policy faster than traditional multi-day holds, with risk controls applied where warranted.
Remote deposit
Enable customers to deposit checks directly within your product. Lead receives the X9 file, submits it for clearing, and credits the appropriate account.
Returns management
Process standard returns through the same X9 connection or work directly with Lead's operations team to manage late returns and other exceptions.
Faster access to deposited funds
Rather than waiting through traditional multi-day availability windows, deposited funds become available as soon as Lead credits the account, creating a faster experience for your users while maintaining prudent risk management.
One integration for the full lifecycle
Issue checks and process deposits through a single integration. Lead manages the underlying X9 file exchange and clearing process, including late returns, so you can support the full check lifecycle without building separate workflows.
Explore API docs
Build directly on Lead’s developer-first banking infrastructure. Our APIs are designed for straightforward integration, with the flexibility to scale as your product evolves.
