As of October 28, 2004 there is a new law that changes the way your deposited checks are handled. Prior to this law, most checks were physically transported before clearing. The Check Clearing for the 21st Century Act (known as Check 21) creates negotiable substitute checks that can be used in the same way you would use the original checks. Some of the benefits of the Check 21 law include less paper, increased security, decreased fraud, and faster check clearing. For more information on Check 21, please.

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