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Checking Accounts: Understanding Your Liberties. You know in many ways just just how your bank account works.

Checking Accounts: Understanding Your Liberties. You know in many ways just just how your bank account works.

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

But recently, you might have noticed alterations in your bank checking account. The 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 in your bank statement. In place of getting terminated checks right back from your own bank, you might be receiving “substitute checks.”

What’s taking place?

Checks are increasingly being handled in certain ways that are new

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