How a Comchek fuel advance works
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Quick answer
A Comchek is a Comdata draft that works like a blank check. Your factor or broker gives you an Express Code (14–18 digits) tied to a dollar amount. You write it on the Comchek, get authorization from Comdata, then cash it or use it at the fuel desk. At OTR Solutions, a load advance by Comchek costs $24, vs $15 sent to its fuel card.
Key takeaways
- An Express Code is a 14–18 digit number representing a set dollar amount.
- A Comchek can’t be cashed or deposited until the code is registered to it and Comdata authorizes it.
- The company issuing the code chooses whether the fee is added to its bill or taken out of your amount.
- Sending an advance to a fuel card is usually cheaper. OTR charges $15 to its fuel card vs $24 by Comchek.
Comchek at a glance
| Item | What they say | Source |
|---|---|---|
| What it is | Paper draft used like a blank check for fuel, lumpers, repairs | source |
| Express Code | 14–18 digit code for a set dollar amount | source |
| Authorization | Required from Comdata before cashing or deposit | source |
| Who pays the fee | Issuer picks “plus” (billed to company) or “less” (deducted) | source |
| Digital option | Express Codes can move to a Comdata OnRoad card in the app | source |
| OTR advance by Comchek | $24 per advance (fuel card: $15) | source |
What stands out
- Accepted widely at truck stops for fuel and cash.
- Lets a factor or broker get money to you mid-trip.
- Can move to a Comdata card through the DRIVEN FOR COMDATA app.
What to watch
- Costs more than a fuel-card advance at OTR.
- If the fee is “less,” it comes out of the amount you receive.
- Must be registered and authorized first, or it won’t clear.
Frequently asked questions
How do I cash a Comchek?
Write the Express Code on the Comchek and get authorization from Comdata by calling the number on the check (or using a Comdata app). Once authorized, you can cash or deposit it like a regular check.
What is a Comchek Express Code?
A 14–18 digit numeric code that represents a specific dollar amount. Your factor, broker or carrier issues it.
Who pays the Comchek fee?
The company issuing the code chooses. With “plus,” the fee is billed to that company. With “less,” it’s deducted from the Express Code amount.
Which factoring companies use Comchek for fuel advances?
OTR Solutions publishes a $24 fee for a load advance sent by Comchek, or $15 to the OTR Fuel Card. See our fuel-advance comparison for others.