Check 21

Check 21 is like a magic spell that makes it easier and faster to use a check from one person to pay another person without having to take the paper check to the bank.

Imagine you are a grown-up and you have a bunch of money saved in a bank. Your friend wants to borrow some money from you, but they don't have cash. They write you a check for the amount they want to borrow. Back in the old days, you would have to go to the bank to deposit or cash the check, which takes time and sometimes waiting in line.

But with Check 21, you don't have to go to the bank to deposit and cash the check physically. Instead, the bank can turn the check into an electronic image of the original paper check and send it to the bank of the person who wrote the check (your friend's bank). The image of the check is like a picture of the check, but it's not made out of paper. This is called electronic check processing - and it makes things a lot faster and easier.

So, instead of taking the paper check to the bank, you can deposit or cash the check electronically (without paper) using Check 21 - this is like using magic to make things easier and faster!