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
Check 21 Legislationhttp://www.gpo.gov/fdsys/pkg/PLAW-108publ100/html/PLAW-108publ100.htm
NAID Certification helps you comply with federal and state data protection requirements when hiring a shredding provider. Smarter Shredding, Inc. adheres to the highest security levels available in the shredding industry, allowing us to earn our AAA Certification while exceeding its standards.
Smarter Shredding has streamlined the process and simplified everything. We adhere to the most secure shredding process available, shortening the chain of custody, and reducing risk of loss or theft to as close to 0% as possible. How? All your documents are placed into a secure 96 gallon cart and then immediately taken to our trucks to be shredded. Our secure process ensures 100% destruction every single time. It's fast, easy, and ridiculously affordable.