Method of creating a substitute check using check image data from a remote check image capture device and an apparatus therefor

A method is provided of an institution creating a substitute check using check image data from a remote check image capture device. The method comprises receiving from the remote check image capture device binary image data which is representative of a binary image of a check, receiving from the remote check image capture device grayscale image data which is representative of a grayscale image of the check, determining if the binary image of the check is usable, and creating a substitute check based upon the grayscale image data if the binary image of the check is determined to be unusable.