No, your Digital Payment's recipients do not need to sign up for a Checkbook account to receive their funds.
First-time recipients have to choose their preferred deposit method.
Please note, the sender enables the selected deposit methods for the recipient.
If the recipient chooses the 'Deposit Payment Online' option, they need to verify their Bank Account details and all future Digital Payment sent to them will be automatically deposited to that account (unless they cancel auto-deposit).
Additionally we never charge recipients any fees for depositing their Digital Payments.