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You are already aware in a variety of ways exactly just how your bank account works. You compose paper checks, withdraw cash from a automated teller machine (ATM), or spend having a check card. Your paycheck might pass by “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 changes in your bank account. The checks you compose may be “clearing”??”the cash is being removed from your account??”more quickly. Some checks you compose may be detailed as “ACH” transactions on your own bank declaration. In the place of getting terminated checks right straight right back from your own bank, you might be receiving “substitute checks.”