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Substitute check
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<p>A substitute check or cheque, also called an image cash letter (ICL), clearing replacement document (CRD), or image replacement document (IRD), is a <a href="/facts/Negotiable_instrument/bvU79Y5c">negotiable instrument</a> used in electronic banking systems to represent a physical paper <a href="/facts/Cheque/AmS09zUa"> cheque (check)</a>. It may be wholly digital from payment initiation to <a href="/facts/Clearing_(finance)/A1EBh70H">clearing and settlement</a> or it may be a digital reproduction (<a href="/facts/Cheque_truncation/0xqDD39u">truncation</a>) of an original paper check. </p>