Do I need to have a US Bank Account? Jeff Swersky September 06, 2018 22:40 Updated Yes, every SeamlessChex and Paynote client needs to have a US checking account. Related articles How can I deposit a Printed Check? (Can I take it to the bank?) How long does it take for physical checks for clear? How long does it take to receive funds? Enhanced Verification Solutions How to Deposit Checks Comments 0 comments Please sign in to leave a comment.