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Check 21 Legislation
The Check Clearing for the 21st Century Act, known as Check 21, is a federal law that went into effect on October 28, 2004. Under this new legislation, banks and other financial institutions, including SunTrust, have the option of creating, processing, and exchanging digital pictures of checks rather than moving the original paper. Check 21 makes this digital copy of your paper check a legal "substitute check." 

The goals of Check 21 are to streamline check processing, reduce paper, combat fraud and to improve the overall efficiency and security of the nation's payment system. To help you better understand this initiative, the following documents explain how Check 21 may impact you.

Check 21 Information for Consumers Check 21 Information for Business Customers For additional information:
Additional Information

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Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products (including checking accounts) and services are provided by SunTrust Bank, Member FDIC. Securities, insurance (including annuities and certain life insurance products) and other investment services (including Brokerage accounts) are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer and a member of the FINRA and SIPC. Other insurance products and services offered by SunTrust Insurance Services, Inc., a licensed insurance agency.