How does it work? Using our intuitive web interface you enter information from the check. This includes the bank ABA or Routing number, the bank account number, check number, and the amount. Once you submit this information, our systems do a query to see if the account is already in our internal databases. If there is no information internally, we connect to the NCN database and query for any negative information. Again the results are returned with either an "Approved" or "Denied" message. The whole transaction takes less than 3 seconds.