Does the special refund procedure apply if I receive an image statement with a picture of a substitute check but do not receive the actual substitute check?
No. The special refund procedure applies only if you actually received a substitute check. However, check law protects you from improper check charges regardless of whether you receive an original check, substitute check, image statement, or a line item on your account statement. If you feel an error was made to your account, contact your bank immediately.
