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Learn about the programs used to collect debt Know what payment options are available Know how to make a payment on the money or debt I owe Find out why money was taken out of my tax refund Submit an invoice through IPP Resources Breadcrumb Home Payments To The Government Electronic Check Processing Electronic Check Processing Electronic Check Processing (ECP) is a systematic method used to convert paper checks into Automated Clearing House (ACH) transactions or Check21 items by lockbox financial agents. ECP is a web-based client facing application that acts as a data and image repository. ECP is used by federal government agencies and their financial agents to view and research transactions. Login to ECP How Does ECP Work? Image Delivery of Incoming USPS and overnight mail to lockbox Financial Agents. Lockbox Financial Agent (FA) verifies items according to specification, completes data capture and scans checks/remittance images. Lockbox Financial Agent transmits payment/remittance data and images to ECP. ECP stores images/data and generates reports. Financial items and images are sent to the Bank of First Deposit. Items are forwarded to Collections Information Repository (CIR) for settlement and returns. The Bank of First Deposit processes payments for settlement via Check 21 or ACH and sends settlement/return data back to ECP. CIR - ECP Settlement and Return Data are available in voucher and financial transaction reporting. Agencies may login to ECP to retrieve reports/images or login to CIR to view reports and deposit information. Benefits of ECP Image Accessibility: Agency users have direct access to the status of every item being processed from the moment it is received in ECP. Web based application is available 24 hours per day, 7 days per week. Image Efficiency: Facilitates conversion of paper checks into ACH or Check 21 transactions. Accelerates high volume collections and reduces fund collection costs. Improves internal controls through the use of automated reports. Improves data capture, accuracy, timing. Image Research/Reporting: Several reports offer a detailed look at agencies transactions and history. Provides detailed information regarding remittance and/or check image documents. Image Security: Resides on the Treasury Web Application Infrastructure (TWAI). TWAI is a highly secure environment. Last Updated: June 16, 2026 Payment Support Systems Collections Information Repository OTCnet Debit Gateway Electronic Check Processing (ECP) Contact Us FAQs Treasury Collateral Management & Monitoring (TCMM) Payment Type - Cash, Checks Payment Type - Electronic Payment Type - Web-Based Payments Guidance Request a Consultation Related Links Automated Clearing House (ACH) Collections Information Contact Us Electronic Check Processing (ECP) FiscalService.ECP@citi.com 866-855-5735 Subscribe to ECP Main navigation About Us Accounting Payments Financial Integrity Financing Financial Management Solutions Debt & Receivables Servicing Resources fiscal.treasury.gov  An official website of the U.S. Department of the Treasury                      Have a question about government services? Contact USA.gov Explore and Sign Up Our in-person and virtual events provide learning opportunities for fiscal-related topics. Our FAQs have extensive lists for what you can do and where you can find it. 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