After all of the preparatory work to get ready for Check 21, our bank has not had any requests for recredit on substitute checks even though we still return checks to some customers in their statements. We're all set up to handle expedited recredit requests and we've done the disclosures as required but the only request we have got so far didn't require recredit. Granted, we're not receiving a lot of SCs -- yet -- but I'm wondering if anyone has had an actual request to recredit in the last seven months.