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Home >> Checks/Money Orders >> Checks You Wrote
Processing an Electronic Image of a Check
I wrote a $495.30 check to a Roto Rooter technician that came to unstop my kitchen sink one Sunday, and by Tuesday, a bank VP called to tell me the home equity line on which I had written the check could not process the electronic image presented, because it had no way of knowing who was presenting it. He told me to contact Roto Rooter and tell them to submit the check I'd given them. I immediately called Roto Rooter and they said they couldn't do that, and I had to immediately send them another check. I asked them where the paper check was and they said they throw them out or put them in a vault. I'd asked for the check back, but they said I should just send them a check from a different account! Now they have forwarded to a collection agency and I'm incurring fees. Why can't the bank process an electronic image?
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 Your bank needs to review its procedures. More and more checks are being processed as electronic images every day. If your bank can't process images, it should have arranged to receive substitute checks, which are paper items created from images. In this case, the bank may have been thrown a curve ball because the image was of a check drawn against your home equity line.
Get assurance from your bank that it won't be charging your home equity line for that image, and go ahead and issue Roto Rooter another check, on a checking account. Explain the problem to Roto Rooter, and ask them to call off the collection agency.
When all of that is resolved, ask your bank if it will continue having problems with check images on your equity line account. If they will have problems, do not issue checks from that account to third parties, because you cannot be assured that those checks won't be converted to images in the future. Instead, you may have to draw checks to yourself, and deposit them to your checking account, running all your payments from there.
Published on BankingQuestions.com 4/06/09
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