[wiredfool]

There are a couple of ways this transaction can go, with different rules. There is an ACH truncation on checks, with follows ACH rules of reversability. In that case, they're only sending the MICR line of the check, not capturing an image.

There's also Check21, which is much more likely to be what they're doing. That takes a front/back image, and is essentially electronic settlement of checks, using check settling rules. For true fun, the electronic image can later be printed out on a larger piece of paper with it's own MICR, and now it's an IRD (image replacement document) and it can go back into the legacy paper settlement system.