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Remote Deposit Capture FAQs



How does it work?

The Check Clearing for the 21st Century Act (also known as Check 21) that took effect in 2004 makes a scanned image of a check a valid, legal substitute for the original paper check. One effect of the law is that instead of depositing physical checks in the bank, businesses can now scan them on their computer and send the check images electronically. The images have the same legal standing as the original checks.

What was the reason for Check 21?

After the events of September 11, 2001, Congress decided that banks needed a way to clear checks with each other in the event of a disaster that disrupts transportation. Prior to Check 21, most banks relied on ground or air transportation to deliver checks to each other for payment.

What types of checks are legal to scan?

Most U.S. Dollar checks drawn on U.S. banks. You can scan personal checks, business checks, money orders, official bank checks, and more. Some restrictions apply.

Is it safe to deposit checks on-line?

Deposit Direct uses the same security and encryption standards as our other on-line banking systems, so your money is safe. What do I do with the original check? After you scan it, you should keep the original check 30 days in a secured location. Then destroy the check with other sensitive documents. Images of the scanned checks are available on line for up to 120 days, and are available upon request for up to seven years

For more information about these Cash Management services please contact 800-272-1876.

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