Check 21 allows banks to forgo sending original checks as part of the collection or return process and instead send a truncated version.

To help facilitate electronic presentment,in 2004 the United States Congress passed the Check Clearing for the 21st Century Act (also known as Check 21 or the Check Truncation Act).Check 21 allows banks to forgo sending original checks as part of the collection or return process and instead send a truncated version.In place of the original paper check,a bank may send: a)a substitute check; or b)by agreement,an electronic image of the check along with data from the magnetic ink character recognition (MICR)line on the original check.