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A substitute check (also called an Image Replacement Document or IRD) [1] is a negotiable instrument that is a digital reproduction of an original paper check.As a negotiable payment instrument in the United States, a substitute check maintains the status of a "legal check" in lieu of the original paper check.
Ordering checks from the bank can be expensive; some banks may charge $30 or more for a set of checks. Meanwhile, getting your checks online from a third party is often a much cheaper alternative.
When the money order is taken to the bank it may not be detected as counterfeit for 10 business days or more, but the bank will deposit the money into the account and state that it has been "verified" or is "clear" in about 24 hours. This gives the victim a false sense of security that the money order was real, so they proceed with the transaction.
You can deposit money at a branch, at an ATM, or via mobile check deposit, direct deposit or a transfer. Here's a look at each option and how to get started. How To Deposit Cash Into Your Bank Account
A substitute check or cheque, also called an image cash letter (ICL), clearing replacement document (CRD), [1] or image replacement document (IRD), [2] is a negotiable instrument used in electronic banking systems to represent a physical paper cheque (check).
Whether your bank account shows your direct deposit at midnight or a few hours later, it’s the quickest way to access your funds. After all, if you decide to get paid using a paper check, you ...