Risk document requests
Access and manage active document requests efficiently through Company Actions and Action Center.
Locating document requests
There are two places to view active document requests:
- Company details > Company actions
- Action center
Company actions tab
Check's Risk team conducts a Company Review process during onboarding to evaluate each company's creditworthiness and to meet our legal diligence obligations. During this process, Check may request documentation to verify that the company is conducting legitimate business operations or to determine whether the company should qualify for accelerated payroll processing.
A company's risk document requests initiated by Check can be found under the Company Actions tab of the company's detail page in Console. The Company Actions view provides indicators for the number of requests per active status. Actions are available for submitting documents to fulfill new requests, fix previously rejected documents, and resubmit documents which are pending review.
Action center
An aggregated view of document requests across all companies can be seen in Console's "Action Center." The document requirements listed in the Action Center are sorted by the most recent time a document requirement’s status was updated (with most recent at the top). You can filter the requirements to include only those requiring action – meaning the status is either “Open” or “Failed” – or to include all requirements, including those in “Pending” or “Resolved” statuses.
Document request overview
Document requests have a "Document Requirement" type which describes the reasoning for the request. Shown below is an open requirement for "Company Financial Verification".
Each requirement type has an associated set of documents which can be uploaded to satisfy that document request. For "Company Financial Verification", the below options are available in the upload action dropdown used to submit the document.
Selecting a document from this dropdown then clicking on the upload action will allow you to choose a file to upload directly to Check.
Requirement statuses
Status | Meaning |
Open | This status means the requirement is being surfaced for the first time. The user needs to provide the requested document. |
Failed | This status indicates that a previously uploaded document was not accepted. Click on the status in Console to see more detailed information. A new document is required to address the errors and resolve the requirement. |
Pending | This status means that the Check team is reviewing the document and will provide a status update shortly. |
Resolved | The Check team has finished reviewing, successfully processed the document, and cleared the requirement. |
Closed | This status is used when company review is terminated and no user-action can move the requirement forward.For example, if the Check team discovers a disqualifying situation during company review (such as an unsupported industry) prior to reviewing a provided document, this status will be used. |
Acceptable documents
Each requirement type has an associated set of acceptable document types. Below are descriptions for each requirement's document type options.
Requirement | Acceptable Document Types |
Federal EIN Verification | IRS Form SS4 (Not recommended)
IRS Form CP 575
EIN Confirmation Letter issued to a new business
IRS Form 147-C
EIN Verification Letter when an EIN was previously assigned
IRS Form 940 (Not recommended)
IRS Form 941 (Not recommended)
IRS Form 943 (Not recommended)
IRS Form 944 (Not recommended)
IRS Form 945 (Not recommended) |
Company Identity Verification | Articles of Incorporation
Company registration document
Full bank statement including the bank name, masked or unmasked account number, and the account owner's name and address |
Signatory Identity Verification | Non-expired US government-issued photo ID for the authorized signer |
Signatory Authorization Verification | Articles of Incorporation
Company registration document
Amendment to Articles of Incorporation showing the addition of Signer |
Bank Account Verification (requirement when a bank account is linked manually without Plaid) | (Not recommended) Bank letter, on bank letterhead, including the unmasked last four digits of the account number and the account owner’s name
Full bank statement including the bank name, account number, and the account owner's name and address |
State Registration Verification | State registration document, proving registration of company in the state of legal address |
Unacceptable documents
- SS4 application
- Local business tax receipts
- Non-US ID
- Work IDs
- Incomplete bank statements
- Screenshots of documents (e.g., PNG or JPEG files)
- ATM receipts
- Business tax certificate
If you have any questions on if a document is acceptable please reach out to Risk.
Review turnaround time
Check's Risk Team reviews documents within 1 business day from when the document was submitted. For Company Financial Verification documents (accelerated processing period upgrade requests), the 1-day window begins at the later of (a) when the company is confirmed & submitted in Console and (b) document submission time.
Last updated on November 30, 2024