Check 21 Act Consumer Awareness/Education

Your account owners may have questions regarding the Check 21 Act and may even be apprehensive about what these changes mean to them. These brochures can help them understand the regulation, the reasons behind it, and the advantages it brings, as well as provide answers to important questions they may have regarding the process and privacy issues.

The Where are my checks? and The next generation of checks brochures are a convenient way to answer your account owners' questions regarding substitute checks and explain how these changes will affect them. They are easy-to-understand, informational handouts or statement inserts that can help ease account owner apprehension by discussing:

• What is the Check 21 Act?
  
  
• What will I get back with my statement?
  
  
• Why create a substitute check?
  
  
• How does the Check 21 Act affect the possibility of someone stealing my identity or using my account to write fraudulent checks?
  
  
• How does the Check 21 Act affect float time?
  
  
• What if the original check and its substitute get processed?
  
  
• What if the substitute check is not an accurate image of the check I wrote and I need the original to prove my claim?
  
  
• What if there is a dispute and the retailer or service provider won't accept the substitute check as proof of payment?
  
  
• What is the difference between an electronic check conversion (e-check) and a substitute check?

The next generation of checks version differs from the Where are my checks? brochure in that it includes language for those account owners who may already be seeing an electronic image of their checks on-line.