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When did Check 21 become effective?

Check 21 became effective on October 28, 2004.  As of this date, all financial institutions will have to accept substitute checks the same way they are required to accept paper checks.

  • Fraud is detected faster since checks clear faster.
  • You get a more accurate picture of your account balance.
  • Check images can be accessed faster to resolve questions.
  • Checks are more secure since they do not have to be physically transported.
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