Short answer, no you don’t need a Checkbook account to receive a digital payment. Our system is designed to allow anyone to receive a digital payment (even if you haven't signed up for Checkbook).
When a Digital Payment is sent out, our system automatically creates a secure link to that email that the check was sent to. This link - allows you to select how you’d like to accept your check, depending on the options that the sender provided without the need to log into Checkook.