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The Check Clearing for the 21st Century Act (Check 21) removes legal barriers to check truncation by providing a framework that grants a substitute check the same legal authority as the original check. Check 21 does not mandate that banks accept electronic images (a common misperception). Check 21 does, however, mandate that banks accept substitute checks if presented for payment.

Solutran continues to be active in identifying potential Check 21-related issues, developing solutions that address those issues, and sharing this information with you to help keep you informed and equipped to protect your company’s interests. 

Note: PDFs are identified as ; clicking on the links below will open a new browser window


 

Check 21 Legislation

- Check 21 Act
   (Enrolled as Agreed to or Passed by both House and Senate)

- S. 1334: Check Truncation Act
   (Passed by U.S. Senate on June 27, 2003)

- H.R. 1474: Check 21
   (Passed by U.S. House of Representatives on June, 5 2003)


Articles and Tools

- ACH Check Conversion and Check 21 Quick Reference Guide
   (Prepared By and Provided Courtesy of NACHA, January 2004)

- Check Conversion Quick Reference Guide
   (Prepared By and Provided Courtesy of NACHA, June 2005)

 

Industry Links

- The Electronic Check Clearing House Organization (ECCHO)
- American Banker Online
- Consumers Union
 

- Industry Links

- Check Fraud Resources

- Check 21 Resources and Information

- Client Service Resources

Phone: 763.559.2225     Fax: 763.559.8872     Email: solutions@solutran.com

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