ABA Routing and Transit Number # 236084298

Check 21 FAQs

Substitute Check Tips

On October 28, 2004 the Check Clearing for the 21st Century Act (Check 21) became effective. This law allows financial institutions to use substitute checks and speed the processing of transferring money from your account to a payee.

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  • What is a substitute check?
  • What are my rights regarding substitute checks?
  • How do I make a substitute check claim for a refund?
  • What information must my substitute check claim include?