Our Digital Checks are valid in all 50 States in the United States and for all banks and credit unions. We have closer integration with the top banks in the nation, covering around 75% of all transactions, to enable 'instant verification' of their identity using a recipient's banking credentials. We will expand this list of banks to cover 95% 100% of all transactions by Aug 1, 2016. and then to practically 100% by Oct 1. Should a recipient's bank not be listed for 'instant verification' then the recipient can complete identity verification using our 'manual verification' step using their bank account number and bank routing number. We send two micro-deposits to their bank account within 24 hours - the recipient then returns to the Digital Check and enter those two micro-deposits.