Pay Your Earnest Deposit & Cash to Close Electronically

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cash-to-close

Pay Your Cash to Close From Your Phone

Your cash to close is the final amount you bring to closing day — your down payment plus closing costs, minus your earnest deposit and any credits. It’s the largest payment in your transaction, which also makes it the #1 target for closing fraud.

Clear Title now lets you send your cash to close electronically through CertifID, the same secure platform we use for earnest deposits. No wire to initiate, no cashier’s check, no trip to the bank.

How it works:

1. When it’s time to pay, your Clear Title escrow officer sends you a secure payment request through CertifID. There is no public payment link for cash to close — the request always comes from us.

2. You review the request and pay directly from your phone or computer, the same way you’d move money in your banking app.

3. CertifID verifies the payment and confirms delivery so your funds arrive safely before closing.

Not sure what your total will be? Estimate your closing costs with our Seller Net Sheet.

The details: - $48 per payment - Payments up to $500,000 - Every payment is verified by CertifID and backed by up to $5 million in insurance per file - Clear delivery timelines — send your payment promptly when you receive the request

so funds arrive before closing (Payments submitted by 11:59 p.m. local time the night before closing are guaranteed to be available as good funds by 8 a.m. local time on closing day.)

A note on payment safety: you can’t initiate a cash-to-close payment yourself. A legitimate request comes only from your Clear Title escrow officer through CertifID. If you receive payment instructions from anyone else — or anything looks off — call us before sending anything: Council Bluffs 712.328.1017 · West Omaha 402.934.6010.

Ditching those paper checks is now easier, safer and quicker than ever! You can now submit your Earnest Deposit electronically. The cost for this service is $15, paid at the time you submit your earnest deposit.

Some key advantages are:

Fully Electronic, Encrypted & Secure
Initiate a Transfer within 90 Seconds
Connect to Any Financial Institution in the U.S.
Never Share Routing and Account Numbers
Stay Informed with Email Notifications
Accessible 24/7

If you prefer to send a wire, please see instructions below. If you prefer to use a check, please mail to or drop off at our Council Bluffs location.

IMPORTANT NOTICES: If your closing is scheduled within the next 48 hours, don’t submit your earnest deposit electronically — call your escrow officer for the fastest option. For your final cash to close, wait for the secure CertifID payment request from your escrow officer; wire transfer and certified check remain available if you prefer.

WIRE INSTRUCTIONS

Clear Title has partnered with the nation’s leading wire fraud prevention solution, CertifID. To receive wire instructions by email or text message please email: orders@cleartitlellc.com with your request. You will need to provide the following information:

– Your FULL LEGAL NAME
– Your EMAIL ADDRESS
– Your PHONE CELL PHONE NUMBER
– The PROPERTY ADDRESS that is being sold/purchased
– Your Real Estate Agents name and phone number (if applicable)

Once received, an invitation will be sent to you with instructions to the secure portal to obtain the instructions.

This is to prevent E-mail and Internet-related fraud schemes have become increasingly prevalent and more sophisticated in recent years, affecting customers of financial institutions across the United States. These scams are often perpetrated by criminals who compromise the e-mail accounts of unsuspecting individuals and businesses, and then use those e-mail accounts to initiate unauthorized funds transfer requests.

PAPER CHECKS:

Paper checks can be mailed or dropped off in person at our Council Bluffs location.

HOW TO PROTECT YOURSELF

Be careful with what information you share online or on social media. By openly sharing things like pet names, schools you attended, links to family members, and your birthday, you can give a scammer all the information they need to guess your password or answer your security questions.
Don’t click on anything in an unsolicited email or text message asking you to update or verify account information. Look up the company’s phone number on your own (don’t use the one a potential scammer is providing), and call the company to ask if the request is legitimate.
Carefully examine the email address, URL, and spelling used in any correspondence. Scammers use slight differences to trick your eye and gain your trust.
Be careful what you download. Never open an email attachment from someone you don’t know, and be wary of email attachments forwarded to you.
Set up two-factor (or multi-factor) authentication on any account that allows it, and never disable it.
Verify payment and purchase requests in person if possible or by calling the person to make sure it is legitimate. You should verify any change in account number or payment procedures with the person making the request.
Be especially wary if the requestor is pressing you to act quickly.

Additional information and resources on business email compromise can be found at: www.fbi.gov/bec