Within the park is the lovely Hamlin Lake Beach area with warm, shallow waters, and just to the north is the 3,450-acre Nordhouse Dunes Wilderness Area. There's plenty of wilderness and sand to explore, and Lake Michigan's beaches are the best in the state, but... that's about all there is to do in Ludington, aside from the standard boating and golfing.
The process is simple: 1  Notify. You must notify your customers that their paper checks will be processed electronically. 2  Collect and Convert. When a paper check is presented as payment, it is converted to a one-time ACH-based electronic payment, with pertinent information regarding the customer's financial institution and account number captured.
Substitute checks are specially formatted so they can be processed as if they were original checks. The front of a substitute check should state: This is a legal copy of your check. You can use it the same way you would use the original check.. Not all copies of a check are substitute checks.