Substitute Checks

Substitute Checks

• 24# Paper
• Acts as a replacement of an original check
• Substitute checks can be transmitted electronically - regular checks can't

What is Substitute Check?

• This is a specially formatted paper copy of the electronic image of an original check used by banks and considered a legally valid form of payment.
• It must have the front and back image and MICR information of original check
• The base stock paper and other specifications (perforations, check size) must be within the industry standards for regular checks.
• Substitute checks are also known as Image Replacement Documents (IRD)