Abstract: Systems and methods for utilizing dynamic checks is provided. A user provides user identification information via a POS terminal. The identification information is used to obtain account information such that a representation of the dynamic check may be generated based on the account information. The dynamic check is populated with the user's account information including name, routing, and bank account information. In some embodiments, the payment amount is automatically provided on the dynamic check. After review, the user provides his/her signature on the dynamic check. In exemplary embodiments, this signature is verified by comparing the signature with a stored template of the signature associated with the user's account. Once, the dynamic check is authenticated, the dynamic check may be processed for settlement.