Abstract: Systems and methods are provided for causing a computing device to process a check payment from a user using a debit card by: receiving debit card information from the user; sending the information to a payment platform via a network connection; exchanging the debit card information with an ATM network at a bank and receiving a response including a bank account and a bank routing number; making a fraud potential determination; returning a success flag if fraud is not suspected and an error message if fraud is suspected; storing the returned bank account and bank routing number in a database if fraud is not suspected; requesting the user to write their signature on a digitization pad in operation and storing the signature in the database; and creating a check image.