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Please click on the questions below to learn more about Check 21:
What is Check 21?
The main purpose of the Check Clearing for the 21st Century Act (Check 21) is to make the U.S. banking system more efficient by eliminating the need to physically transport paper checks between banks for payment.
Banks are allowed to process checks electronically by creating digital images of original checks. This shortens the check payment cycle and makes the process more efficient.
What is a Substitute Check/IRD?
An IRD, or substitute check, is a copy of an original check generated from an electronic image that may be used in the check payment process.
Once checks are converted into IRDs, they are still considered to be checks and have the same legal standing as the original checks you write.
How can I learn more about Check 21?
First Bank is committed to helping you understand Check 21 and answering any questions you have. If you have any questions about how Check 21 will affect your First bank accounts, please call any of our locations or
 customer-service@surffirst.com.
For more general information about Check 21, visit the Federal Reserve Banks Check Clearing for the 21st Century page
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