While a very interesting article it seems to focus too much on the “image capture” technology and not enough on the bank’s “internal controls” that should have focused a correction on the technology’s failure to correctly capture the routing/account information on the check. This could have just as easily happened with a physical check scanner positioned on a bank teller’s desk. The problem is that your feedback should have been a part of the banks internal controls that caused them to investigate errors with their technology. If they focused on the technology that likely caused the error instead of blowing past it by asking you to just get a new check they would have used their controls in a way their auditors would have expected. This same error could have occurred with a failed check scanner on the teller’s desk and if the bank paid attention to the customer/you, the scanner would have been easily replaced. The error in the software that misread the optical scan should have just as easily been identified and fixed.