Substitute Check or Share Draft

A substitute check is a paper copy of the front and back of the original check. A substitute check is slightly larger than a standard personal check so that it can contain a picture of your original check. A substitute check is legally the same as the original check if it accurately represents the information on the original check and includes the following statement: “This is a legal copy of your check. You can use it the same way you would use the original check.” The substitute check must also have been handled by a financial institution. Substitute checks were created under Check 21, the Check Clearing for the 21st Century Act, which became effective on October 28, 2004.