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Simplify payments with EFT

Reduce administrative burden with EFT, so you can focus on what matters most — your patients.

Enroll now

Delta Dental of California and affiliates are committed to being trusted partners to the dental community. We’re focused on reducing administrative barriers, so you can focus on what matters — your patients and your practice. We’ve listened as providers have shared the importance of digital solutions in running their practices efficiently. That’s why we’re moving toward a digital-first approach.

Starting on January 1, 2027, electronic funds transfer (EFT) will be Delta Dental’s standard method of payment. Practices who have chosen not to enroll in EFT and elect to continue to receive paper checks will incur a weekly $15 processing fee.¹,²
 

Consider switching to fast, secure payments with EFT

EFT is a simple, fee-free alternative to paper checks. With EFT, Delta Dental deposits payments directly into your bank account, reducing processing times, administrative costs and security vulnerabilities compared to paper checks.

EFT payments are:

  • Fast. Payments won’t be delayed in the mail, and provider claim statements (also called digital remittance advice) are posted to Provider Tools the same day you’re paid.
  • Efficient. Spend less time on administrative work, with no more handling or manually depositing paper checks.
  • Secure. EFT lets you avoid lost, stolen or damaged checks in the mail, and your information is protected with modern cybersecurity practices that help detect and prevent fraud.
  • Environmentally friendly. Direct deposit significantly reduces paper use across the ecosystem.

How does EFT work?

  • 1

    Enroll

    Sign in to your Provider Tools account and click on the EFT and ERA icon to start the enrollment process.

  • 2

    Receive deposits

    Once you’re enrolled, payments will be electronically deposited into your bank account.

  • 3

    Get notified

    You’ll receive an email notification whenever you get a direct deposit from us.

  • 4

    See payment details

    Review payment details in Provider Tools immediately, and see all your practice’s claim information instantly, anytime.

  • 5

    Reconcile payments

    Use the My Payments section in Provider Tools to quickly and efficiently reconcile payments and claims.

Say “yes!” to EFT

Don’t let common misconceptions keep your practice from using EFT, a faster, easier and more secure payment method than paper checks.

  • Is EFT free?

    Yes! There are no fees on EFT payments from Delta Dental.

  • Is EFT secure?

    Yes! Enrolling in EFT does not give Delta Dental access to withdraw money from your account.

  • Is it easy to enroll in EFT?

    Yes! Enrolling is simple, easy and fast in Provider Tools.

  • Is reconciliation easy with EFT?

    Yes! Reconciliation is streamlined with digital remittance advice available in Provider Tools.

Get the facts on EFT.

Get started with EFT

Choose fast, easy, secure and free payments when you enroll in EFT today.

If you’re located in a state where our Delta Dental companies administer benefits, you’ll enroll in Provider Tools.

These states are: AL, CA, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT and WV.

In a different state? You have two options to enroll:

  • Enroll via your local Delta Dental member company and opt in to national sharing. Providers can also update existing local enrollment to change to national share.
  • Enroll directly with Delta Dental of California and affiliates. To get started, create a Provider Tools account.

  1. Log in to your Provider Tools account. Don’t have one yet? Creating an account is easy.
  2. Select the EFT and ERA icon on the Provider Tools homepage to start enrolling.
  3. Follow the prompts on screen. You’ll need to provide some basic information about your practice and financial institution.
  4. Get ready for EFT. Your enrollment will go into effect once all the required information has been received and processed. This may take 2 to 4 weeks.
     

Need more detailed instructions? Check out the  enrollment guide for step-by-step instructions and answers to frequently asked questions.
For additional help, email providertools@delta.org.

Have questions? Check the  FAQ for answers.

Simplify your payments. Enroll in EFT today.

Have questions? Check the  FAQ for answers.

Simplify your payments. Enroll in EFT today.

¹ Where consistent with state law
² The check processing fee is a separate administrative charge for providers who elect to remain on a paper-based payment method, and does not constitute a reduction in, or amendment to, reimbursement rates for services rendered.