A de-centralized, or non-centralized, system and method facilitates the capture and processing of checks and related bank document information at a remote client subsystem and locally processing the checks and information at the remote client site, for transmission to a main subsystem, for direct routing of the bank document information to the U.S. Federal Reserve Bank, circumventing intermediate transmission to the Bank of First Deposit (BOFD), all in compliance with the Check Clearing for the 21st Century Act.