WORK/LIFE: “Check 21” banking changes

January 2005 
Volume 35  Number 1
Pages 76 - 76
  PDF Version Available!


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    Starting last fall, certain changes affected all bank customers, thanks to the Check Clearing for the 21st Century Act, also called Check 21. According to the Federal Deposit Insurance Corp. (FDIC), the act is intended to speed the processing of the over 40 billion checks Americans write each year. What will it mean to you? For one thing, you'll be getting electronic images of your handwritten checks in your monthly statement instead of the real thing.

    Given the changes that went into effect October 28, the FDIC offered the following advice about checking accounts.

    1. Make sure you have enough money in your account when you write checks . Banks will be using electronic processing to speed things up, which means more checks will be processed faster; paper checks won't be physically ...

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