I am looking for advice on the best payment solution to allow users of my site to make deposits. I have been looking at eChecks to see if there is a solution. I am not quite sure why you would need a third-party solution for generating eChecks beyond a way to detect bad checks before the deposit is made (preventing a charge). But I am sure there are other security reasons. Does anyone know of a cheap solution to having people deposit (like an escrow account) through the website? Most solutions I have come across are geared toward an actual sale of a service/good at the time of the transaction. Thank you for your time.