Check 21 Act

Q: What is the Check 21 Act? learn more
To make check processing faster, federal law permits banks to replace original paper checks with "substitute checks."  Once the substitute check is created, the original check is taken out of circulation.
Q: What Is a Substitute Check? learn more
A substitute check is an image of the front and back of the original check in a slightly reduced image size.  The front of a substitute check states:  "This is a legal copy of your check.  You can use it the same way you would use the original check."
Q: What if I need a copy of a check that has been converted into a "substitute check"? learn more
A substitute check is a legal copy of your check.  You may use a substitute check as proof of payment just like you would use an original cancelled check.
Q: How will the Check 21 Act affect float time? learn more
The float time (the time between writing a check and cashing the check) will virtually disappear due to faster check processing.  Today, some or all of the checks that are processed through your account will be substitute checks.  Substitute check image processing eliminates the need to physically transport paper checks to and from finanical institutions.
Q: Is a substitute check the same as an e-check? learn more
  • No, an e-check is an electronic funds transfer that is initiated by a check. The e-check is processed through the Automated Clearing House (ACH) network.   Once the payment is authorized, the original check is stamped "void" and returned to you or destroyed at the point of conversion. The transaction will be listed on your bank statement under the electronic and ACH transactions. 
  • A substitute check is created to replace original check and will be listed as a check on your bank statement.


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