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Checking Accounts: Understanding Your Legal Rights. You know in a variety of ways exactly just how your bank checking account works.

Checking Accounts: Understanding Your Legal Rights. You know in a variety of ways exactly just how your bank checking account works.

You know in a variety of ways just just how your bank account works. You compose paper checks, withdraw funds from a automatic teller machine (ATM), or spend with a check card. Your paycheck might pass “direct deposit” into the account, or perhaps you might deposit checks at a bank’s teller screen or ATM.

But recently, you might have noticed alterations in your bank checking account. The nearest blue trust loans checks you compose may be “clearing”—the cash is being removed from your account—more quickly. Some checks you compose may be psted as “ACH” deals on your own bank declaration. As opposed to getting terminated checks straight back from your own bank, you might be receiving “substitute checks.”