Checks are inherently different from other transactions because they are a transaction carried out via a physical instrument - the actual, paper check. This may seem like a trivial factor (after all, can't you just scan the relevant info from the check and turn it in to an instant electronic transaction?) but as with many things in life, the devil is in the ...
For your title question, there's this:
Under federal law, banks generally must make funds available to you from U.S. Treasury checks, most other governmental checks, and official bank checks (cashier’s checks, certified checks, and teller’s checks), a business day after you deposit the check.
Just to add a bit of fun color to this, the answer is that the routing number, account number and check number uniquely define any check. However, this should come with a caveat.
After the 9/11 terrorist attack in New York and the Pentagon, the FAA grounded all aircraft in US airspace for several days. Something that is not widely known is that during that ...
In the "distant" past, checks were in fact blank, except for the bank name and (in the US) ABA routing number.
In the 1950s, though, banks -- and the companies that make check processing equipment -- standardized on fonts and magnetic ink, which allowed the equipment to process checks faster.
This, though, necessitated that the routing number, person's ...
The bottom of the check will have the bank's routing number, the account number, and the check number—these uniquely identify that specific check to your account.
This will show at the bottom of the check like: 1234567890 555444333321 00001
Routing number: 1234567890
Account number: 555444333321
Check number: 1