{"id":1126,"date":"2024-06-18T11:56:10","date_gmt":"2024-06-18T15:56:10","guid":{"rendered":"https:\/\/wp-dcb.resultspw.com\/?page_id=1126"},"modified":"2024-07-17T10:29:57","modified_gmt":"2024-07-17T14:29:57","slug":"substitute-checks-your-rights","status":"publish","type":"page","link":"https:\/\/www.deanbank.com\/resources\/financial-resources\/substitute-checks-your-rights\/","title":{"rendered":"Substitute Checks &amp; Your Rights"},"content":{"rendered":" <div class=\"page-header-simple section-bg-white \"> <div class=\"container\"> <nav id=\"breadcrumb\" class=\"breadcrumb\" aria-label=\"Breadcrumb\"><span><span><a href=\"https:\/\/www.deanbank.com\/\">Home<\/a><\/span><\/span><\/nav> <h1 class=\"title\">Substitute Checks and Your Rights<\/h1> <\/div><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"> <div class=\"block-product\"> <div class=\"product-container\"> <div class=\"content\"> <div class=\"body\"> <h3>What is a substitute check?<\/h3><p>To make check processing faster, federal law permits banks to replace original checks with \"substitute checks.\" These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: <em>\"This is a legal copy of your check. You can use it the same way you would use the original check.\"<\/em> Some or all of the checks that you receive back from us may be substitute checks. You may use a substitute check as proof of payment just like the original check.<\/p><h3>What are my rights regarding substitute checks?<\/h3><p>In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).<\/p><p>The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.<\/p><p>If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.<\/p><p>We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.<\/p><h3>How do I make a claim for a refund?<\/h3><p>If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.<\/p><p>Your claim must include:<\/p><ul><li>A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect)<\/li><li>An estimate of the amount of your loss<\/li><li>An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss<\/li><li>A copy of the substitute check [and\/or] the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the amount of the check<\/li><\/ul><p>If you have questions, <a style=\"text-decoration: underline;\" href=\"\/contact\/\">contact us<\/a> for additional information.<\/p> <\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"> <section role=\"search\" aria-label=\"Search Area: How Can we Help?\" class=\"mod-help\"> <div class=\"help-container\"> <h3 class=\"title\">How can we help?<\/h3> <form id=\"sidebar-search\" method=\"GET\" action=\"\/search\/\"> <label class=\"visuallyhidden\">Search our site<\/label> <input type=\"search\" name=\"search_key\" class=\"help-search-input\" placeholder=\"I want to...\" \/><button class=\"help-search-submit\"><img decoding=\"async\" src=\"https:\/\/www.deanbank.com\/wp-content\/themes\/dcb-theme\/images\/ico-sidebar-search.svg\" alt=\"Submit Search\"\/><\/button> <\/form> <\/div><\/section> <section aria-label=\"Related Products and Services\" class=\"nav-related\"> <h3>View our Products & Services<\/h3> <!-- Menu: 3 --><!-- Menu Name = 3 --><!-- Base ID = 775 because base is 775 --><nav class=\"menu_nav cm_3\" aria-label=\"Financial Resources Menu\"><ul><li class='item_spot_105 expanded  not_current'>\r\n                            <!-- Base Parent ID = \/resources\/financial-resources\/substitute-checks-your-rights vs \/wp-json\/wp\/v2\/pages\/1126 --><a target='' class='' data-nav-item-id='substitute-checks-and-your-rights' data-nav-item-parent-id='775' href='\/resources\/financial-resources\/substitute-checks-your-rights\/'>Substitute Checks and Your Rights<\/a><\/li><li class='item_spot_106 expanded  not_current'>\r\n                            <!-- Base Parent ID = \/resources\/financial-resources\/foreclosure-rescue-scams vs \/wp-json\/wp\/v2\/pages\/1126 --><a target='' class='' data-nav-item-id='foreclosure-rescue-scams' data-nav-item-parent-id='775' href='\/resources\/financial-resources\/foreclosure-rescue-scams\/'>Foreclosure Rescue Scams<\/a><\/li><li class='item_spot_107 expanded  not_current'>\r\n                            <!-- Base Parent ID = \/resources\/financial-resources\/check-fraud-fbi-alert vs \/wp-json\/wp\/v2\/pages\/1126 --><a target='' class='' data-nav-item-id='check-fraud-fbi-alert' data-nav-item-parent-id='775' href='\/resources\/financial-resources\/check-fraud-fbi-alert\/'>Check Fraud - FBI Alert<\/a><\/li><li class='item_spot_108 expanded  not_current'>\r\n                            <!-- Base Parent ID = \/resources\/financial-resources\/couples-divide-and-conquer-financial-responsibilities vs \/wp-json\/wp\/v2\/pages\/1126 --><a target='' class='' data-nav-item-id='couples-divide-conquer-financial-responsibilities' data-nav-item-parent-id='775' href='\/resources\/financial-resources\/couples-divide-and-conquer-financial-responsibilities\/'>Couples: Divide & Conquer Financial Responsibilities<\/a><\/li><li class='item_spot_109 expanded  not_current'>\r\n                            <!-- Base Parent ID = \/resources\/financial-resources\/top-10-retirement-planning-mistakes-to-avoid vs \/wp-json\/wp\/v2\/pages\/1126 --><a target='' class='' data-nav-item-id='top-10-retirement-planning-mistakes-to-avoid' data-nav-item-parent-id='775' href='\/resources\/financial-resources\/top-10-retirement-planning-mistakes-to-avoid\/'>Top 10 Retirement Planning Mistakes to Avoid<\/a><\/li><\/ul><\/nav> <\/section> <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":7,"featured_media":0,"parent":1119,"menu_order":46,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"links_old_site_id":[],"class_list":["post-1126","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Substitute Checks &amp; 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