• How does Check 21 affect me?
  Check 21 will have no impact on the way you write or use checks. However, check clearing may be faster with the implementation of Check 21 and funds may be removed from your account sooner than before. As always, make sure you have sufficient funds in your account before writing a check.

• What are the benefits of Check 21?
  Faster processing of checks could mean faster detection of fraud. Also, the shorter processing time could reduce the likelihood that someone could use your account to commit fraud.

• What happens to my original check if a substitute check is created?
  In most cases, your original check will be destroyed if replaced by a substitute check.

• What if I need a copy of my check?
  If you currently receive check images you will continue to receive those images of processed checks just as you do today. However, you may begin to notice a combination of original and substitute check images on your image statement. You can view and print copies of your checks - front and back - when using FIRST DIRECT™ on line banking.

• Who accepts substitute checks?
  As of October 28, 2004, all banks are required to accept substitute checks.

Check 21 | Sample check | FAQ | Policy statement