A digital checking system retrieves a first non-fungible token of a digital check from a distributed ledger implemented by a blockchain. The first token includes (i) a set of parameters of the digital check and (ii) a first service data describing a first transaction performed on the digital check. The set of parameters of the digital check includes a check amount, a payor, a payee, a check date, a bank identifier, and a user signature of the digital check. The system receives a second service data describing a second transaction performed on the digital check that is subsequent to the first transaction. The system stores a second non-fungible token of the digital check into the distributed ledger. The second token includes (i) the set of parameters of the digital check and (ii) the second service data.