David Johansen
i see that, but a few years ago before it became implimented i had learned about it and at that time it was called, i had thought, bank 21 AND what it did was allow photocopies of cancelled cheques to be considered adequate to return to the account holder, that a scan can be transmitted & processed, and the original destroyed.
i thought the clearing house could use them (the paper checks) in a wood stove to heat the building....