A paper reproduction of an original check that (1) contains an image of the front and back of the original check; (2) bears a MICR line that, except as provided under ANS X9.100-140 contains all the information appearing on the MICR line of the original check at the time that the original check was issued and any additional information that was encoded on the original check’s MICR line before an image of the original check was captured; (3) conforms in paper stock, dimension, and otherwise with ANS X9.100-140; and (4) is suitable for automated processing in the same manner as the original check. The Federal Reserve Board can by rule or order determine different standards.
a copy of the front and back of the check that becomes the legal equivalent of the original check
a copy or image of the front and back of the original check
a digital picture of your original check (showing the front and back with a magnetic ink character recognition line and all of its routing data) which can be processed electronically
a high-quality paper reproduction of both sides of the original check
a legal equivalent of an original check for all purposes of providing proof of payment
a legal equivalent of your original check that may be created at any point during payment processing
a legally sanctioned document about the size of a "business" check that can be provided to a paying bank or consumer in lieu of an original check that has been truncated along the collection stream
a legally sanctioned document, with all the rights and obligations given the original check written from your checkbook
a legal paper copy of your check made from the original check or from an electronic image of the original check
an electronic substitution of your original check made from digital images
an exact replica of your original check with some added verbiage and processing numbers
an image of the front and back of an item printed on special high grade paper that includes additional endorsement information and a machine-readable MICR line
a paper copy of the digital image of your original check - both front and back, with all endorsements - and is about the size of a business check
a paper copy of the front and back of the original check created from a scanned image
a paper copy of the original check, including the front, back and all endorsements
a paper copy of your original check and is the legal equivalent
a paper recreation of an electronic check image
a paper reproduction made from the digital image of an original check
a paper reproduction of an original check created during the check collection and return process from an electronic image of the original
a paper reproduction of the original check and can be processed just like the original check
a printout of the digital image
a replica of your original check - front and back including all endorsements, and a legend that states that the substitute is the legal equivalent of your original check
a reproduction printed on paper of the digital image
a special paper copy of both sides of your originally written check
A substitute check (also called an Image Replacement Document or "IRD"), according to the US Federal Reserve, is "a special paper copy of the front and back of an original check". Not all copies of the original check are substitute checks, and copies of multiple checks on one page (image statements) are not substitute checks either. Substitute checks are authorized by the Check Clearing for the 21st Century Act (Check 21 Act).http://www.federalreserve.gov/paymentsystems/truncation About Check Clearing for the 21st Century Act. (2006, March 1).