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What is Electronic Check Conversion?

Merchants and billers may convert your paper check into an electronic check. During processing they scan the check through a machine and it captures the account information. This information is sent electronically through the payment system to clear your account.

If the transaction occurs in person the clerk may run the check through a machine and hand the voided check back to you with your receipt. You can read more about how electronic check conversion works by visiting the Federal Reserve Board Website.