Im just going by what I experienced.
The client moved to new area, and did not have checking account, Settlers took the app, but would not issue until they had the info to debit the account.
It worked for me.
besides the instructor at the insurance class always said "An APP And A Check" ...Thats one thing I always get or atleast a voided check....
Did you collect the first premium and send a money order with the app?