ECCHO began its active involvement in what subsequently became Check 21 early in 2000. Since then ECCHO has been involved in every major developmental activity as either the leader, the coordinator or as a major participant in each activity.

Some of those involvements included:

• Early analysis of the concept of replacing a paper check with another paper check and identification of the major pros and cons
• Early participation in the modification and refinement of the Federal Reserve's draft proposal
• Coordination of a group of industry representatives to develop and support consensus proposals to the Fed and later to the U.S. Congress. The industry group included approximately 135 representatives from 60 different organizations including every major financial trade association, technology companies, clearinghouses, banks, credit unions and other organizations
• Testifying at both hearings by the subcommittee in the U.S. House
• Participating in preparation for testimony at the hearing by the Senate Banking Committee
• Participation in the Executive Signing Ceremony in the Oval Office at which time President Bush signed the bill into law. Others participating included eight Congressmen and Congresswomen (four from the Senate and four from the House) and four CEOs representing banks, technology companies and trade associations. ECCHO's CEO participated.
• Development and production of a Check 21 Educational video in cooperation with Independent Community Bankers of America and Southwest Automated Clearing House Association.
• Delivery of more than 100 presentations on Check 21 to various groups across the U.S. during the years 2003 and 2004.
• Coordinated industry consensus comments of the Fed's proposed Regulation CC and Regulation J changes to accommodate Check 21 requirements.