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A substitute check (also called an Image Replacement Document or IRD) [1] is a negotiable instrument that is a digital reproduction of an original paper check. As a negotiable payment instrument in the United States, a substitute check maintains the status of a "legal check" in lieu of the original paper check.

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2004年6月1日 · The term "IRD" is an acronym for Image Replacement Document. In almost every respect, it will look like and be like a substitute check, with one important difference. Beginning October 28, 2004, a substitute check will be considered a new type of negotiable instrument, required to be recognized under state and federal law as the equivalent of ...

A substitute check or cheque, also called an image cash letter (ICL), clearing replacement document (CRD), [1] or image replacement document (IRD), [2] is a negotiable instrument used in electronic banking systems to represent a physical paper cheque (check).

2023年5月14日 · There is no federal requirement that a depositary bank return to its depositor a check that has been returned unpaid by the paying bank. But many if not most banks do. Whether an online bank will return such a check (or a substitute check) is something its customers will need to ask the bank about.

The check cleared as an IRD and all we have is the replacement document sent to us from the depository bank. When the customer files a police report the police are asking for the original check back so they can test for fingerprints.

2024年6月26日 · Often abbreviated as "IRD," it stands for "Image Replacement Document," and it is a key element in the financial world, especially in the context of check processing and the development of electronic payment systems. In this section, we will delve into the intricacies of IRD and explore its significance in the realm of banking. 1.

IRD in Banking commonly refers to an Image Replacement Document, which is a digital representation of a paper check used in electronic transactions to facilitate processing and clearance. This document helps streamline banking operations by allowing for quicker and more efficient handling of checks.

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