Is an electronic signature legally valid?

Yes. Electronic signatures are legally valid under the ESIGN Act (15 U.S.C. ch. 96) and state UETA laws when they meet intent, consent, attribution, and retention requirements; exceptions may apply for particular document types.

When is notarization required?

Not all Check N Go Agreements require notarization. State rules and your internal policy determine this. If a notary is required, follow state notary/RON rules and capture the notarial certificate before accepting the agreement.

What if a signer’s name is entered incorrectly?

A mismatched name can create identity or enforceability issues. Correct the name, re-verify identity, and have the signer re-execute the agreement or attach a signed corrigendum referencing the original document.

How do I revoke or cancel a signed agreement?

Revocation or cancellation depends on contract terms and state law. Use an amendment or termination document signed by both parties; document the effective revocation date and retain records.

How should signed agreements be stored?

Store signed PDFs with an audit trail, backups, and access controls. For healthcare or tax-related data, follow HIPAA or IRS retention rules and limit access to authorized personnel.

Can I correct a mistake after signing?

Minor clerical errors are best corrected by executing an amendment signed by all parties. Replacing the entire agreement requires mutual consent and a clear reference to the original document.

Check N Go Agreement

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

CHECK N GO AGREEMENT

Parties

Provider Name Provider Address Client Name Client Address

Recitals

WHEREAS, Provider is engaged in the business of providing short-term cash advance facilitation and related services and has the operational capacity and licensing to provide such services to Client; and

WHEREAS, Client desires to obtain check-cashing advance services from Provider on the terms and conditions set forth in this Agreement; and

WHEREAS, the parties desire to set forth their respective rights and obligations with respect to the provision and receipt of check-cashing and related advance services as of the Effective Date: Effective Date:

Scope of Work

Provider shall provide check-cashing advance services, which may include verification of payee identity, hold management, distribution of funds, and related administrative tasks as requested by Client. Provider shall perform services in a commercially reasonable manner and in compliance with applicable laws and regulations.

Detailed Description of Services

Payment Terms

Client shall pay Provider for services rendered in accordance with the schedule and amounts set forth below. All amounts are stated in U.S. dollars, exclusive of any applicable taxes, unless otherwise specified.

Total Advance Amount Payment Schedule / Disbursement Instructions Late Fee and Default Charges

If Client fails to pay any undisputed amount when due, Client shall pay a late fee equal to: (enter percentage as numeric value or fixed amount). In addition, unpaid balances shall accrue interest at the lesser of the maximum rate permitted by law or % per annum.

Invoicing and Payment Methods

Term and Termination

This Agreement commences on the Start Date and continues until the End Date unless earlier terminated in accordance with this Agreement.

Start Date: End Date:

Either party may terminate this Agreement for convenience upon written notice to the other party delivered at least days prior to the effective termination date. Either party may terminate immediately for material breach that remains uncured for a period of thirty (30) days after written notice; termination shall be without prejudice to any rights or remedies accrued prior to termination.

Confidentiality

"Confidential Information" means non-public information disclosed by one party to the other in connection with this Agreement, including client identities, financial terms, transaction details, proprietary business processes, personal identifying information, and any information that a reasonable person would consider confidential. Each receiving party shall (i) maintain such information in strict confidence using at least the same degree of care it uses to protect its own confidential information but in no event less than reasonable care; (ii) not disclose Confidential Information to third parties except to employees, agents or subcontractors who have a need to know and who are bound by confidentiality obligations no less protective than those herein; and (iii) use Confidential Information solely for the performance of this Agreement. Confidential Information shall not include information that is or becomes publicly known through no breach by the receiving party, is rightfully received without obligation of confidentiality from a third party, or is independently developed without use of Confidential Information.

Upon termination or at the disclosing party's request, the receiving party shall promptly return or destroy Confidential Information and certify in writing the completion of such return or destruction.

Representations and Warranties; Indemnification

Each party represents and warrants that it has the corporate or legal authority to enter into this Agreement and to perform its obligations hereunder. Client shall indemnify, defend and hold harmless Provider and its officers, directors and agents from and against any claims, losses or liabilities arising out of Client's breach of this Agreement, negligent acts, willful misconduct, or violation of law in connection with Client-provided materials or instructions. Provider shall indemnify Client for Provider's gross negligence or willful misconduct in performing the services.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of , without regard to its conflict of law principles. The parties submit to the exclusive jurisdiction of the state and federal courts located within that state for the resolution of disputes arising under this Agreement.

Entire Agreement; Amendment

This Agreement, together with any schedules and attachments executed by the parties, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, proposals, and communications, whether written or oral. No amendment or modification of this Agreement shall be binding unless in writing and signed by authorized representatives of both parties.

Miscellaneous

Neither party may assign this Agreement without the prior written consent of the other party, except that Provider may assign to an affiliate or in connection with a merger or sale of substantially all of its assets. If any provision of this Agreement is held invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The waiver of any breach shall not constitute a waiver of any subsequent breach.

Provider Printed Name:

By:

Date:

Client Printed Name:

By:

Date:

What the Check N Go Agreement is and when it’s used

The Check N Go Agreement is a short-form consumer lending document that records the parties, loan amount, repayment terms, and any authorization to debit or deposit checks as collateral or payment method. It functions as a bilateral contract establishing rights and obligations between a lender and a borrower and typically includes payment schedule, fees, default remedies, and signature blocks. Many organizations use an electronic copy for faster turnaround; when signed electronically it must meet ESIGN and applicable state UETA/ESRA rules to be enforceable.

Why a clear Check N Go Agreement matters

A concise, well‑structured agreement reduces ambiguity about payment obligations, lowers operational friction, and creates a reliable record for collections or dispute resolution under ESIGN and UETA.

Who commonly prepares and signs a Check N Go Agreement

Typical participants include the lending organization, the consumer borrower, and internal reviewers such as compliance or collections staff.

Lenders and loan officers who originate short-term, check-secured advances and need a written payment authorization.
Borrowers or consumers completing the agreement and providing check or bank authorization information for repayment.
Compliance, underwriting, or collections teams who review terms, confirm identity, and manage follow-up actions.

Tailor the document fields and authentication level to the roles involved and to any industry or state requirements that apply.

Essential parts of a professional Check N Go Agreement

A complete agreement groups definitions, terms, and execution metadata so obligations are explicit and the signed record supports enforcement and regulatory review.

Parties

Full legal names and contact details for lender and borrower, with entity type if the lender is a business; precise identification prevents misattribution.

Loan Terms

Principal amount, finance charges, APR disclosure (if applicable), repayment dates, and accepted payment methods; clarity reduces dispute risk.

Check Authorization

Explicit consent to deposit or electronically present specified checks, with check identifiers or bank account last-four digits where relevant.

Repayment Schedule

Installment amounts, due dates, and acceleration clauses that explain when the entire balance becomes due on missed payments.

Default & Remedies

Events of default, late fees, collection costs, and any right to present checks or withdraw funds consistent with state and federal law.

Execution Data

Signature blocks, signature date, signer role, witness or notary details if required, and an audit trail or certificate of completion for e-signed records.

Required information fields at a glance

Borrower Full Name: Legal name as on government ID

Lender Name: Registered business name

Loan Amount: Numeric amount with currency

Check or Bank Info: Last four digits or check number

Repayment Date: MM/DD/YYYY format

Signature Date: MM/DD/YYYY format

Step-by-step: completing a Check N Go Agreement

Follow a clear sequence to reduce rework: prepare, verify, execute, and retain the signed agreement with complete metadata.

01

Prepare document: Populate lender, borrower, amount, and payment terms before sending.
02

Verify identity: Confirm borrower identity using ID or multi-factor authentication.
03

Execute signatures: Obtain signatures and dates from all parties; capture witness/notary if required.
04

Store record: Save signed PDF with audit trail and backup copy.

From draft to completed record: the routing flow

A predictable routing flow ensures compliance, a clear audit trail, and quick access to the executed agreement for operations or audits.

Draft: Create the agreement and attach supporting documents.
Assign signers: Add signer emails and define signing order if needed.
Send: Distribute via secure eSignature link or email.
Complete: Collect signatures, timestamps, and store the final file.

Common online configuration settings for e‑completion

When preparing the digital workflow, choose authentication, signer order, and storage settings that match your compliance needs.

Field	Configuration
Signer Order	Sequential
Authentication	Email + optional SMS code
Template Save	Save as reusable template
Storage Format	PDF with audit trail

Distribution channels and platform requirements

Choose delivery and authentication channels that match your risk tolerance and regulatory constraints.

Integrations: signNow integrates with Salesforce, NetSuite, Microsoft 365 and others
File formats: Accepts PDF, DOCX, HTML for upload
Authentication: Email link, SMS code, or knowledge-based checks

Confirm the selected platform supports audit trails, export to PDF/A, secure storage, and any required BAA or regulatory certifications before sending consumers the agreement.

Typical timelines and when to expect processing

Agree on internal SLAs for sending, signature completion, and posting to accounts so obligations and reconciliation are predictable.

Signature Deadline:

Recommend 30 days from issuance; vary by policy

Processing Time:

1–3 business days for verification and funding

Record Retention Start:

Begins on signature date

Dispute Window:

Prescribe internal review within 30 days of notice

Notarization Timing:

If required, perform notarization before acceptance

Common preparation mistakes to avoid

Using imprecise payment descriptions that leave timing or amounts ambiguous and complicate collections or reconciliation.
Entering names or tax IDs with typos, which can prevent proper identity verification or trigger backup withholding.
Omitting notarization or witness details where state law or internal policy requires them, potentially affecting enforceability.
Sending without sufficient signer authentication for consumer-facing financial agreements, increasing fraud and chargeback risk.

Key legal and operational risks of an incorrect agreement

Unenforceable Terms: Agreement may be void

Tax Consequences: Backup withholding or incorrect reporting

Regulatory Exposure: Potential consumer protection reviews

Data Privacy: Unauthorized PHI handling risks

Funding Delays: Operational cashflow impact

Collection Costs: Increased legal expenses

How eSignature vendor pricing and features compare for this agreement

Comparison focuses on starting price, trial availability, bulk send, audit trail, HIPAA support, and envelope limits relevant to high-volume financial workflows.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7-day trial	Varies	Varies	Varies	Varies
Bulk Send	Yes	Yes	Yes	Yes	No
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No

Frequently asked questions about the Check N Go Agreement

Answers address validity, notarization, corrections, revocation, secure storage, and steps to fix common execution errors.

Need help? Contact support

Is an electronic signature legally valid?
Yes. Electronic signatures are legally valid under the ESIGN Act (15 U.S.C. ch. 96) and state UETA laws when they meet intent, consent, attribution, and retention requirements; exceptions may apply for particular document types.
When is notarization required?
Not all Check N Go Agreements require notarization. State rules and your internal policy determine this. If a notary is required, follow state notary/RON rules and capture the notarial certificate before accepting the agreement.
What if a signer’s name is entered incorrectly?
A mismatched name can create identity or enforceability issues. Correct the name, re-verify identity, and have the signer re-execute the agreement or attach a signed corrigendum referencing the original document.
How do I revoke or cancel a signed agreement?
Revocation or cancellation depends on contract terms and state law. Use an amendment or termination document signed by both parties; document the effective revocation date and retain records.
How should signed agreements be stored?
Store signed PDFs with an audit trail, backups, and access controls. For healthcare or tax-related data, follow HIPAA or IRS retention rules and limit access to authorized personnel.
Can I correct a mistake after signing?
Minor clerical errors are best corrected by executing an amendment signed by all parties. Replacing the entire agreement requires mutual consent and a clear reference to the original document.

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