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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.
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).
The most straightforward replacement for checks, debit cards offer the same direct access to your checking account without the hassle of paper and ink. Helpful for quick access to cash, the major ...
Paper checks were the norm for non-cash payment methods for many decades, banks still offer them (sometimes for free), and check payments are often the lifeblood for nonprofit donations (in my old ...
Cheque clearing (or check clearing in American English) or bank clearance is the process of moving cash (or its equivalent) from the bank on which a cheque is drawn to the bank in which it was deposited, usually accompanied by the movement of the cheque to the paying bank, either in the traditional physical paper form or digitally under a cheque truncation system.
Checks are not dead. In fact, according to a recent survey by GOBankingRates, 17% of Americans are still writing checks on a monthly basis -- and 15% send a few checks every month. See: 4 Red ...