Of course, customers can only take advantage of the rights afforded them by the Check 21 Act if they have received a copy of the substitute check they are disputing. For this as well as other reasons, many financial institutions are trying to entice customers to switch to voluntary check truncation.
Voluntary check truncation means you agree that the bank is not obligated to include copies of substitute checks in your monthly statement. Don't, whatever you do, agree to voluntary check truncation.
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