ECHO Health, Inc.

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ECHO Health, Inc. is a healthcare-focused payment processor that distributes claim payments from health and dental plans, TPAs, and other payers to providers through EFT/ACH, virtual credit cards, and checks. On bank statements these payments commonly appear as “HNB – ECHO,” indicating funds routed via Huntington National Bank and ECHO Health.

Westlake, Ohio, United States
echohealthinc.com

About ECHO Health, Inc.

ECHO Health, Inc. is a U.S.-based electronic payment company that specializes in healthcare claim disbursements. It provides a single platform that health plans, dental plans, TPAs, and other insurers use to send payments and remittances to providers via methods such as EFT/ACH, virtual credit cards, and paper checks. ECHO operates the Provider Payments portal (providerpayments.com) and maintains one of the largest payment networks for healthcare providers, helping to consolidate and streamline claim payments and associated remittance advice.([echohealthinc.com](https://www.echohealthinc.com/products/echo-for-healthcare?utm_source=openai))

A bank or card statement line reading “HNB - ECHO” typically represents a healthcare-related payment processed by ECHO Health and funded through Huntington National Bank, rather than a traditional retail purchase. Many health plans and networks (e.g., Aetna, Priority Health, Mass General Brigham Health Plan, and others) explicitly state that provider payments issued through ECHO will show up as “HNB – ECHO” or “HNB-ECHO” on the receiving bank account. These can be ACH deposits, settlements of virtual credit card payments, or consolidated payments for multiple claims.([massgeneralbrighamhealthplan.org](https://massgeneralbrighamhealthplan.org/providers/faq/payment-options?utm_source=openai))

If you have questions about a “HNB - ECHO” entry, the best steps are to log into ECHO’s Provider Payments portal (providerpayments.com) or your health plan’s provider portal to match the amount and date with the corresponding remittance or explanation of payment. Providers can also contact ECHO Health’s customer support (phone number is listed on the ECHO website and in multiple payer FAQs) for help with EFT enrollment status, virtual card details, and bank account changes. If you suspect an error, your bank can confirm transaction details, while ECHO and the underlying health plan can clarify which claims were included and, if needed, initiate adjustments or reissues.([hilldavisdental.com](https://hilldavisdental.com/eft/?utm_source=openai))

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to ECHO Health, Inc..

  1. ACH XFR HNB - ECHO PAYMENT ID:409385570
  2. HNB - ECHO

Frequently Asked Questions

Why does my bank statement show a deposit or transaction labeled “HNB - ECHO”?

The “HNB - ECHO” label indicates a payment processed by ECHO Health, Inc. and funded through Huntington National Bank. Many health and dental plans, TPAs, and payer partners use ECHO to send claim payments to providers, and they specifically note that these payments will appear as “HNB – ECHO” or “HNB-ECHO” on bank statements.

Is a “HNB - ECHO” transaction a charge from a health plan or from ECHO Health itself?

ECHO Health is the payment processor, not the insurer. The “HNB - ECHO” transaction represents funds being moved on behalf of a payer (such as a health or dental plan, TPA, or network). The underlying payment is usually for one or more adjudicated claims, but it is consolidated and delivered through ECHO’s platform.

How can I see which claims are included in a “HNB - ECHO” payment?

To see claim-level detail, log into the ECHO Provider Payments portal at providerpayments.com or your health plan’s provider portal. There you can search by deposit amount, date, draft number, or virtual card number to view the associated explanation of payment (EOP/EOB) and the list of claims included in that “HNB - ECHO” transaction.([massgeneralbrighamhealthplan.org](https://massgeneralbrighamhealthplan.org/providers/faq/payment-options?utm_source=openai))

Can “HNB - ECHO” appear as a virtual credit card payment instead of an ACH deposit?

Yes. If you receive payments by virtual credit card, ECHO may issue those payments and the settlement for that card can still be associated with ECHO and Huntington National Bank. Many payer FAQs explain that providers who are not enrolled in EFT may receive a virtual card by fax or mail from ECHO, and when that card is processed the related bank activity can still be tied back to ECHO.([aetnabetterhealth.com](https://www.aetnabetterhealth.com/content/dam/aetna/medicaid/michigan/provider/pdf/abhmi_mmp_ltss_waiver_provider_orientation.pdf?utm_source=openai))

How do I change my payment method from virtual credit card to EFT for ECHO payments?

To change your payment method, enroll or update your EFT/ACH details through ECHO’s Provider Payments portal or the specific EFT enrollment link provided by your health plan. Many plans offer two options: enrolling only for their payments at no fee, or enrolling for ‘all payers’ on the ECHO platform, which may carry a service fee. Once approved, future payments will appear as EFT deposits still labeled “HNB – ECHO” instead of virtual card remittances.([massgeneralbrighamhealthplan.org](https://massgeneralbrighamhealthplan.org/providers/faq/payment-options?utm_source=openai))

Why did I receive multiple “HNB - ECHO” payments in a short period?

ECHO often consolidates payments by payer, tax ID, and sometimes by payment cycle. If you work with multiple payers on the ECHO platform or had several batches of claims adjudicated at different times, you can see multiple “HNB - ECHO” deposits. Each deposit will have its own draft or trace number that you can use in the ECHO portal to match to specific EOPs.

What should I do if a “HNB - ECHO” payment amount doesn’t match my expected reimbursement?

First, log into providerpayments.com or your payer’s portal to view the remittance and confirm which claims were included and what adjustments were applied. If the amount still looks incorrect, contact ECHO Health support with the payment amount, date, and draft number, and loop in the payer’s provider relations or claims department; together they can research underpayments, denials, or misapplied adjustments tied to that “HNB - ECHO” transaction.([massgeneralbrighamhealthplan.org](https://massgeneralbrighamhealthplan.org/providers/faq/payment-options?utm_source=openai))

How can I verify that a “HNB - ECHO” payment is legitimate and not fraud?

Legitimate ECHO payments will correspond to active contracts or claims you have with one or more health or dental plans that partner with ECHO. Verify by logging into the official ECHO Provider Payments portal (accessed from echohealthinc.com or providerpayments.com) and checking for a matching payment and remittance. If you cannot locate a corresponding EOP or you do not recognize the payer, contact ECHO directly using the phone number listed on their official site and, if needed, ask your bank to confirm the transaction origin before accepting or refunding any funds.([hilldavisdental.com](https://hilldavisdental.com/eft/?utm_source=openai))

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