The bank process the check with a very cognizant practice. The real works just begin as the check is processed on the counter of your bank branch. Banks are open for 24 hours to process financial transaction under with tight deadlines’ pressure and bulky volumes. The journey of the check starts on the distribution area where all assured proof work is handed over the incurring department.

Secondly, the incurring department measures the proof check and estimate the number of items then distributes it to the operator.

Third, the operator encodes the dollar amount along with any missing account number and routing numbers with micro ink: the magnetic ink will enable sorting machine to read the check. The operators make sure that all transactions are on balance before sending them on the sorter. The sorter reads the micro ink on the bottom of the check: sort them and categorize them. The sorter machine microfilmed the check as it sorts and also endorses the check, and prints them with unique sequence number.

Fourth, when the sorter can not function, the proof check can be then delivered to the reconciling department. The reconciling department finds and corrects all the rejected items from the sorter when it is needed. Then the department balances all of the captured check and sends the transfer out to the other banks.

Afterwards of all the reconciling works done, information on account is transferred to the holding system. When holding finish processing any exceptions were on composed items it is preceded to auditing. Auditing the check essentially needs speed and accuracy.

Finally, all Non-Sufficient Funds (NSF) or Bounced Check is returned to other banks within 24 hours or the bank takes the lost. Adjustment of bank accounts with marking and keeping several years on microfilm and microform records for all checks. Branches can key in inquiry online and get the customer copy of their check for positive items. Obtain the sequence order, to obtain the copy of the check, from the holding system. When’s time to be mailed out to the check with customers’ statement. The checks are sorted to account number order and delivered to the matchmaker. Our customers’ statements are assembled with checks and the other mergers.

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