Check 21 Act

Check Clearing for the 21st Century
The Check 21 Act allows and encourages banks to provide a substitute cancelled checks instead of the original check. Effective October 2004, it allowed banks to make check processing fast and more efficient by handling more checks electronically. Traditionally, banks physically move original paper checks from the bank where the checks are deposited to the bank that pays them. This transportation can be inefficient and costly.

For Financial Institutions With Document Retention Policies
Regardless of how long you keep customers checks, we can ensure that all checks are completely destroyed as soon as your retention date has passed. Whether you needs a weekly, bi-weekly or monthly check purge, we can supply you secure containers to store your checks for purge and schedule regular service intervals to ensure proper destruction of all checks while removing your future liabilities.

For Financial Institutions Without Document Retention Policies
For financial institutions that want to destroy checks immediately after the digital image is created, we recommend one of our locked, secure shredding bins. We can place as many bins, free of charge, to secure your checks to be destroyed until your scheduled service.

When Smarter Shredding destroys your customers checks, one of our professional shredding representatives comes on-site to pickup the materials and shred it in front of you. You can select a representative to witness the destruction and we provide you with a Certificate Of Destruction.

For Questions or to Schedule Service, Call Smarter Shredding at (844) 392-7473

NAID AAA Certified Smarter Shredding, Inc. is a BBB Accredited Shredding Service in Dallas, TX
Your organization must comply with laws and regulations, requiring that it protect certain information when it is discarded.

An increasing number of laws actually require organization to shred or face steep fines.
Why Shred? Protect Your Reputation Protect Yourself

State Laws

Texas Shred Law (HB 698)

Federal Laws

Check 21 EEA FACTA FERPA GLB HIPAA Identity Theft Penalty Enhancement Act SOX
CEO's #1 Fear? Severely Damaged Reputation from a Security Breach
Doing Nothing = Negligence. This opens the door to class action lawsuits and massive punitive damages.
It's The Law. You cannot throw away expired documents under Texas Shred Law and Federal Law. You will be publicly exposed and hit with massive audits and fines.