July 24, 2025
Update payroll processes with new deadlines, consolidated ACH IDs, and expanded benefits.
More Lenient Reopen Deadline
Effective today, after a payroll is approved, it can now be reopened up until 11am ET on the approval deadline day.
Today, when a payroll is approved, it can only be reopened for one hour, after which it becomes locked for processing. With this change, payrolls will become locked for processing no earlier than 11am ET on their approval deadline day. Payrolls approved more than one hour before that time will remain in pending status and be able to reopened until then.
The behavior for payrolls approved within one hour of this deadline (i.e., at 10am ET on their approval deadline day or later) will not be changed, and can still only be reopened up to one hour after they are approved, or up to the approval deadline. For example, a payroll approved at 10:59am ET will have until 11:59am ET to reopen.
Next week, we plan to recalculate the reopen deadlines for any remaining processing payrolls that were approved before today and have not yet processed. These payrolls may move back to pending status as a result but will continue to process as expected. No action is required in order to adopt this change.
Consolidated ACH IDs
Check is consolidating to a single ACH ID: 1209306000. Going forward, payroll customers with debit blocks on their business bank account only need to whitelist this ID for Check to be able to debit them for payroll. Historically, employers who use debit blocks have needed to whitelist two ACH IDs, one for each of the banks Check uses to process payroll.
Most customers won’t be affected by this change. However, customers who have only ever been debited via FIB (often those using 1-day payrolls) must take action if they have a debit block on their business bank account and haven’t whitelisted the JPMC ACH ID. While our guidance has always been to whitelist 1209306000, it’s now essential for uninterrupted payroll processing.
Recommended action: Please remind your customers with debit blocks on their payroll bank accounts to ensure the following ACH company ID is whitelisted: 1209306000 . Here’s some sample language you can use in customer-facing messaging:
Hi [Customer Name], To simplify their processing, our payroll system is now using a single ACH company ID for all payroll debits: 1209306000. If your business bank account has a debit block enabled, please ensure this ACH company ID is whitelisted and allowed to debit your account. While this has always been part of our setup guidance, it’s now required to avoid any disruptions to payroll processing. If you’re unsure whether the ID is whitelisted, we recommend confirming with your bank.
Wire Instructions
Going forward, employers funding payrolls by wire will begin more commonly receiving instructions to wire funds to First Internet Bank, in addition to JP Morgan Chase.
As is already the case today, wire instructions may vary on a payroll to payroll basis. It is important to review and send the specific wire instructions for each payroll that is funded by wire, individually. Wire instructions are available in Console and the API. For more instructions, refer to the Fund by Wire guide in the Help Center.
Increased Limit for Overlapping Benefits
Employees can now have up to 100 benefits with overlapping effective dates, for certain benefit types! Previously, this limit was 10.
For the list of benefit types that support overlapping effective dating, refer to our API documentation.
Upcoming Webinars Sign Up
Check’s Summer School continues next week with Payments & Risk! In August, we'll have webinars on Payroll 201 and Setup 201.
Sign up here and share the link with your teams.