Substitute Checks

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Substitute Checks

What Is a Substitute Check?

  • It is a specially formatted paper copy of the electronic image of an original check used by banks and considered a legally valid form of payment.
  • It must have the front and back image and MICR information of original check.
  • The base stock paper and other specifications (perforations, check size) must be within the industry standards for regular checks.
  • Substitute checks are also known as Image Replacement Documents. (RD)


Substitute Checks

  • 24# security paper
  • Acts as a replacement of an original check
  • Substitute checks can be transmitted electronically - regular checks can't.