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Check 21 Compliant Checks and image File size Requirements A review of the impact on check security resulting from bank requirements for low image file size . March 7, 2005. Susan Kraus The Standard Register Company Mar. 7, 2005 Copyright 2005 The Standard Register Company Background The Check Clearing for the 21st Century Act, the legislation known as Check 21 went into effect October 28, 2004. Check 21 provides the right, but the not requirement, to convert a paper check into an electronic image at any point in the clearing process. When a physical document is subsequently required, a bank can reconvert the electronic image into a substitute check (also known as an image replacement document or IRD). This substitute check is the legal equivalent of the original paper check. The Check 21 Act requires that the converting entity or financial institution (often the bank of first deposit).

Check 21 Compliant Checks and Image File Size Requirements A review of the impact on check security resulting from bank requirements for low image file size.

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