how did the reserve banks reduce check processing offices 
the check 21 act enabled banks to send checks electronically rather than as a paper check to banks they have agreements with if there are no agreements the banks may send a substitute check which is a new type of paper instrument which is the equivalent of a paper check as a result of these system improvements the nation s interbank check collection processes have become almost entirely electronic thus the reserve banks have been able to reduce the number of their paper check processing offices from 45 in 2003 to a single office in 2010 1