Void cheque and EFT premium payment QC (Ontario brokers)

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Void cheque or PAD form — which do carriers want?

Follow your MGA/carrier bind kit. Some accept a signed PAD agreement with banking details; others also want a void cheque image. One checklist line per required artifact.

Can clients black out everything except account info?

Reject if transit, institution, or account numbers (or the MICR strip when a cheque is used) are cut off or unreadable — that is what payment setup needs.

Joint account — whose name must match?

Operational standard: account holder name matches payer on application or documented authorization from co-holder — confirm with carrier/brokerage policy.

Is a mobile banking screenshot OK?

Usually reject unless your carrier explicitly accepts it. Prefer void cheque or bank-issued void / PAD details form.

Does Hivi-X process EFT?

No. You QC uploads; accounting or the carrier portal handles banking.

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