The National Automated Clearing House Association has declared success in its test of converting checks into electronic debits at retail points of sale and is creating rules to support the activity more widely.

The pilot test, begun in late 1996, "has been phenomenally accepted with very little consumer resistance," said Louise Clynes, director of Nacha's Electronic Check Council. With 1,669 participating merchants, the program is converting 200,000 checks per month, averaging $80 each.

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