Check clearing is an outdated and manually intensive process that relies on ground and air transportation to move paper checks between financial institutions before they can be paid. To expedite the clearing process, Check 21 converts paper checks to a paper reproduction called a Substitute Check. These must be accepted by every U.S. credit union and bank.

As part of our commitment to our members, we have created an FAQ (frequently asked questions) to answer your questions and help you understand how Check 21 will affect you.