Image Replacement Document

IRD

An image replacement document is a paper copy of a check created from a digital image. It is legally equivalent to the original check for processing and recordkeeping.

IRDs are also called substitute checks and are permitted under the Check 21 Act. They help banks exchange check images instead of transporting paper.

Related Terms

Check 21

Check Clearing for the 21st Century Act

Check 21 is a U.S. law that allows banks to process checks electronically by creating substitute che...

Check

A check (or cheque in British English) is a written order instructing a bank to pay a specific amoun...

Remote Deposit Capture

Remote deposit capture is a service that lets businesses and individuals deposit checks by transmitt...

MICR

Magnetic Ink Character Recognition

MICR is a technology used on checks that allows machines to read the routing number, account number,...

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