Electronic check presentment (ECP)

nouncandidate·updated May 9, 2026

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Check truncation methodology in which the paper check's MICR line information is captured and stored electronically for presentment. The physical checks may or may not be presented after the electronic files are delivered, depending on the type of ECP service that is used.

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Federal Financial Institutions Examination Council (FFIEC) IT Examination Handbook Infobase, Glossary1 senseview framework →

§1: Check truncation methodology in which the paper check's MICR line information is captured and stored electronically for presentment. The physical checks may or may not be presented after the electronic files are delivered, depending on the type of ECP service that is used.