New procedures for processing checks by our banks will cut the time it takes for a bank to clear a check to times as short as hours from the time of deposit. Scanning technologies that will now be employed will make it easier for banks to credit accounts, because they can eliminate dependence of the messenger system currently in use. The news is not all good though. Banks will also be required to archive your checks, and maintain those records for up to seven years, which means someone viewing those records will be able to establish your spending patterns, which could be useful in commiting fraud or forgery. All in all, the advances appear to be positive ones, so make sure when your clients pay your fee by check, that they really have the money in the bank!