Substitute check

Okay kiddo, have you ever paid for something with a check? It's like a piece of paper that says how much money you're giving to someone else.

Now, when you give someone a check, they take it to their bank to deposit it and get the money. But what if they can't get to the bank, or they lose the check? That's where a substitute check comes in.

A substitute check is basically a copy of the original check, but it's made by the bank instead of you. It has all the same information as the original check, like the amount of money and who it's going to, but it's on a special kind of paper that looks like what the bank uses.

So if the person you gave a check to can't get to the bank or loses the check, they can ask their bank to make a substitute check instead. Then they can deposit it and get their money just like they would with the original check.

The cool thing about substitute checks is that they're considered just as good as the original check. That means if the original check bounces (which is when it bounces back because there's not enough money in your account), the substitute check can still be used to get the money from your account.

So that's what a substitute check is! It's like a backup version of a regular check, in case something happens to the original.