What happens if my bank says it charged my account correctly?.Can my bank delay my ability to withdraw the amount that it refunds?.How will I know if my bank has refunded my account?.How quickly must my bank handle my claim, and when will my account be refunded?.How do I make a claim under the Check 21 refund procedure?.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?.If I suffer a loss related to a substitute check I received, can I file a claim with my bank?.What protections do I have if I receive image statements, access pictures of my checks online, or receive an account statement with descriptive information about my canceled checks?.Do I need to use magnetic ink or toner when printing checks?.What if I receive a substitute check representing a fraudulent original check?.