eMailACheck is a web and mobile App that allows you to write checks, and email or text them to someone you want to pay, instantly at practically no cost. A user downloads the eMailACheck mobile app. sets up the user's account (Account Name, Number and Bank information) all of the users information is first verified by text messages and emails. After this first verification step, you will need to set up your electronic checkbook. In order to get your check from your bank you need to verify 2 remote deposits that only an owner of an account has access to, the bank information is verified by the bank and the user. This entire process takes between 5-10 minutes. The mobile app does not handle any transactions and does not keep any personal information. The eMailacheck is like having a checkbook on your phone or computer. All transactions are handled by your bank. In order to write a check you need to have a passcode for your phone, and then another passcode for the mobile app. In order to write the check you need to be the sign or on the bank account and apply your signature each time, no signature is stored.