Frequently Asked Questions

1. Are there any monthly or yearly fees involved?

Absolutely none. We have seen other services charge as much as $49.95 per month as
a licensing fee for their software. With CheckMAN you simply purchase it for just
$39.95 and all you'll ever need to purchase again is blank checks.

2. Who signs the check?

No signature is required to deposit these checks. In place of a signature, CheckMAN
prints, "This Draft Authorized By Your Depositor…NO SIGNATURE REQUIRED".

3. Do I need special paper?

Yes and No. In order to use CheckMAN, you will need to print the drafts on a special
blank check stock. The software is not going to help if you do not get the proper
paper. Our special checks come with several "pre-printed" check lines, specifically
suited for CheckMAN. The cost for these is very minimal. Click on the Check Paper
area for complete details. Please note that you will be required to place an initial
check paper order in order to receive your Password.

4. Is CheckMAN guaranteed?

Absolutely! If you are unhappy with your copy simply return it to us within 30 days
for a full refund (less s/h). We want to make sure that it is right for your company.

5. How do I take a check over the phone?

You simply gather all the information that is on your customer's check. You will then
enter this information into CheckMAN, and a check ready to be deposited will be
produced. You will also receive a "phone template" that you can make copies of and
use which basically guides you through the whole process. It even has a sample check
so you can explain to your customer exactly where all the information will be found
on their check.

6. How do I take a check via a fax machine?

You simply ask your customer to make a check out to you just as if they were going to
mail it to you. Then ask them to tape it to a sheet of paper (so it doesn't get crumpled
in their fax machine), and fax it to you. You would then input the information right
from the check directly into CheckMAN, and it will print a check ready to deposit.

7. How do I take a check via the Internet?

There are several different ways to take a check on the web. You can design yourself
an order form similar to our order form. We will even set one up for you and host it
for free! It is usually a good idea to use a secure server for the order form, so your
customers will not worry about having their checking info "hi-jacked". If you do not
know how to produce a secure form, we can handle this for you at a very reasonable
price. You can also just put together a simple email form and have your customer
send you their checking info via email. Once you collected the information, you
would input the information right into CheckMAN, and it will print a check ready to
deposit.

8. What do I need to deposit these checks?

To deposit these checks you need only 5 things:

1. A product or service to sell.
2. The information from your customer's check.
3. Authorization from your customer.
4. CheckMAN software.
5. Blank checks.

9. Do I need magnetic toner?

Most banks have upgraded their check processing applications and no longer require
the magnetic ink. The checks are scanned digitally. Therefore, most will not have a
problem. If they do, they'll process them manually, and may ask you to get magnetic
ink if they are processing a very large quantity of checks for you daily. We suggest
that you simply deposit the checks without it. If there is a problem with your
particular bank (highly unlikely), then contact us and we will give you information on
purchasing magnetic toner.

10. Is this legal?

Check "Demand Drafts", or "drafting" funds from a second party's checking account
have been a method of payment for more than 10 years. Fax, e-mail, and telephone
checks (pre-authorized paper bank drafts) are completely legal. The primary
requirement is that the checking account holder (your customer) must give you either
verbal or written pre-authorization, such as faxing you their check. Electronic drafts
are nothing new. Insurance companies have been using them for years.
Unfortuantely, this was so tightly regulated and expensive to implement, it was cost
prohibitive for small and medium sized businesses.

This all changed in 1996 when new banking laws clarified the way for anyone to
accept electronic drafts. Please refer to the Banking Statutes page for the pertinent
laws. In a nutshell, these laws define a "Negotiable Instrument" which, before
required a signature to be binding. With the changes in these laws a signature is no
longer required. All that is required is a verbal or written authorization which can be
received via phone, fax, email or Internet orders.

11. How does CheckMAN compare to it's competition?

As you may or may not know, there are several products similar to CheckMAN on
the market. None of them to our knowledge has nearly as many features as
CheckMAN does. CheckMAN is a very easy program to use and it's also very
affordable. Unlike other similar programs, there are no monthly costs involved.

12. What if my customer is afraid to give me their checking information?

If this question should arise, you simply explain to your customer that by faxing you a
check, or giving the information to you over the phone, they are giving you
absolutely no more information than they would if they mailed a check to you. It is
really that simple. Sure there are people out there that are crooks, but giving out your
checking information is no more insecure than paying for a new coat at the mall with
a check or credit card.

13. How do I sign up for the service?

Simply click on the order button and place your order online. We will ship you your
CheckMAN CD and in a matter of days you will be ready to go!