Check Issuance Terms & Conditions

Last reviewed: August 20, 2025

These Aion Terms and Conditions (the "Terms") apply when you use Checks you’re your Aion Business Bank Account ("Aion Account" or “Account”). In these Terms, "you" and "your" refer to the Aion Customer, and "we," "us," "our," and "Aion" refer to Aion and the issuer of your Aion Checks, Checkeeper, and Cross River Bank.

1. Not all Aion Business Banking Accounts will have check writing privileges. If you are permitted to use checks drawn on your Aion Account, the terms set forth in this Agreement shall apply.

2. Check payment is highly automated, and Aion processes many checks every day. Although Aion may inspect some checks, you agree that reasonable commercial standards don’t require Aion to do so.

3. Aion may or may not pay a check with a date more than six months in the past, at our discretion. If you do not want Aion to pay an old check from Aion Account, you must place a stop payment order. If Aion pays it, you will be responsible for the check.

4. You agree not to write a check with a date in the future. If Aion is presented with a check that you wrote that has a date in the future, Aion may or may not pay it before the date on the check, in Aion’s discretion. If Aion pays it, you will be responsible for the check.

5. You agree not to write a check that tries to limit the time or method of payment with a condition, such as “Void after 180 days” or “Valid only for $1,000 or less.” Because Aion uses an automated system to process checks, Aion can’t inspect every check.

6. Aion is not required to comply with any multiple-signature requirement, even if you have otherwise instructed Aion to do so.

7. You agree not to deposit a check payable to multiple payees unless all payees have endorsed such check. If you write a check payable to multiple payees, you agree that Aion may pay the check to any of the payees in possession of the check.

8. Unless you make advance arrangements, Aion may or may not pay your checks with facsimile signatures, at Aion’s discretion. If you file a facsimile signature specimen and Aion agrees to honor checks with that facsimile signature, you authorize Aion, at any time, to charge you for all orders that are drawn on Aion using that signature. If you suspect that your facsimile signature is being or has been misused, you must notify Aion at once.

9. If a check is returned to you because Aion believes it doesn’t match your signature on file, Aion is not liable to you even if you authorized the check. If the numeric amount on a check doesn’t match the amount written out in words, Aion may select either one when paying it. Aion is not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the item.

10.  A remotely created check is created by the payee and not signed by Aion Account owner. It states that Aion Account owner authorized the check. If you deposit a remotely created check, you guarantee it was authorized by Aion Account owner for payment in the amount it shows. You agree to maintain proof of the authorization for two years and provide Aion with such proof if requested.

11.  If you have instructed Aion in advance to make regular payments out of your Bank Account utilizing the Check Services, you can stop any of these payments. You must, however, reach out to Aion at contact@aionfi.com in time for the Bank to receive your request three (3) Business Days or more before the payment is scheduled to be made.

12.  To request a stop payment on a check, Aion requires that you submit your request in writing by emailing contact@aionfi.com. Stop Payments will expire within 6 months of the requested date.

13.  Aion will disclose information about your Aion Account if Aion returns checks on your Account due to insufficient or uncollected funds or if Aion is unable to complete a check transaction due to insufficient or uncollected funds; fees may apply.

14. Fees may apply to the issuance of checks through Aion’s Banking platform. Such fees are subject to change at our discretion and may vary based on the number of checks issued, delivery method, or other factors. By requesting a check, you authorize us to charge any applicable fees to your linked account or designated payment method. Current fee schedules will be made available to you within the platform or upon request.

15. Check issuance services available through Aion’s Banking platform are provided and operated by Checkeeper, LLC (“Checkeeper”). By requesting or authorizing the issuance of a check through our platform, you acknowledge and agree that the preparation, printing, and fulfillment of checks is performed by Checkeeper. We do not control, and are not responsible for, the processing methods, security measures, or operational practices of Checkeeper. Your use of the check issuance service constitutes your agreement to be bound by Checkeeper’s applicable terms of service and policies, available at https://checkeeper.com/.

16. To the maximum extent permitted by law, we disclaim all liability for any loss, delay, error, misdelivery, or failure in connection with check issuance services provided by Checkeeper. You agree that our institution shall not be liable for any damages, claims, or expenses, whether direct, indirect, incidental, or consequential, arising from or related to Checkeeper’s performance, actions, or omissions. Any disputes regarding the issuance, delivery, or processing of checks must be directed to Checkeeper.