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A transit check or not on-us check is a negotiable item which is drawn on another bank than that at which it is presented for payment.

For example, a check drawn on Bank of America, presented for deposit at Wells Fargo Bank, would be considered a transit item by Wells Fargo, while the same item presented for cash or deposit at Bank of America would be an on-us check. Routing numbers, as well as the bank name printed on the check, help to determine an item's classification.

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