Do I need to have a US Bank Account? Jeff Swersky September 06, 2018 22:40 Updated Follow Yes, every SeamlessChex and Paynote client needs to have a US checking account. Related articles How long does it take for physical checks for clear? eCheck Solutions Compared How to Deposit Checks Can a check get Returned? How long does it take to receive funds? Comments 0 comments Please sign in to leave a comment.