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You already know in many ways just exactly 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 may deposit checks at a bank’s teller screen or ATM.
But recently, you might have noticed alterations 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” deals on your own bank statement. Rather than receiving terminated checks right right right back from your own bank, you might be receiving “substitute checks.”