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<br />Day 1: Client receives and deposits check through Anytime Deposit Scanner. An electronic <br />image of the check is sent to Amegy Bank of Texas back office. Amegy Bank then <br />transmits the image of the check through Image Cash Letter (ICL) or to a print site located <br />close to the Federal Reserve District. The check image is printed on secure watermark <br />paper. The printed image is called a Substitute Check or IRD. Day 2: IRD is presented and <br />drawn on bank. The customer's original deposit becomes available for use. Cut off time for <br />Same Day ledger credit: 9:00 pm CST on business days. <br /> <br />29 <br />