occasionally a customer will go to a teller and ask for a copy of their check. To accommodate, we will print the copy from our system. If the check is a substitute check, do we need to give the disclosure?

No disclosure necessary. This would be the same as delivering an imaged statement to your customer containing images of his check.

However, if there is a problem with the substitute check your customer is still covered by the warranty and indemnity provisions of Check 21.