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Legal Information

Check 21

The Check 21 Act is a law that allows for the creation of a document called a "substitute check." A substitute check can be used for proof of payment or for any reason that might require the use of the original check. It is the legal equivalent of your original check.

Why was Check 21 created?
The goal of the federal government in creating Check 21 was both to improve efficiency of the nation's payment system and make it less susceptible to natural disasters and acts of terrorism.

How does Check 21 affect me?
If you receive images with your statement, you may see a combination of original check images and substitute check images. In addition, if by chance a check is returned to you for any reason, a substitute check might be provided in place of the original.

When did these changes take place?
The Check 21 Act went into effect on October 28, 2004.

If you have any questions about how Check 21 affects you and your account, please contact your nearest banking center or call us at 1-800-731-BANK.