When authorized through bona fide "bank-by-phone" or "online banking" systems, local units are permitted to accept check-based payments made by banks or other financial organizations on behalf of individual persons when authorized by such persons and when such transactions provide payor information.
N.J. Admin. Code § 5:30-8.10
See: 29 New Jersey Register 4(a), 29 New Jersey Register 872(a).